Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$73,882Cash toward the purchase price.
Closing costs + prepaids$14,356Not just lender fees.
Before credits & paid funds$88,238The complete starting cash picture.
Estimated remaining funds due at closing
$88,238No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$73,882.14
Your down payment$73,882.14
Closing costs + prepaids$14,356.23
Total buyer cash needed$88,238.37
Remaining funds due$88,238.37
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,280.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$427.25
Initial HOA (3 months)$360.00
Prepaid interest, first (20 days)$1,813.98
Fees + prepaids$14,356.23
Your down payment is the seller’s equity. You take over the $454,118 balance, so the rest of the $528,000 price is paid at closing. A second mortgage can cover part of it. $88,238.37 is due at closing. Uses and sources reconcile at $542,356.23 each. Not a Closing Disclosure.