Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$56,461Cash toward the purchase price.
Closing costs + prepaids$15,475Not just lender fees.
Before credits & paid funds$71,936The complete starting cash picture.
Estimated remaining funds due at closing
$71,936No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$56,460.70
Your down payment$56,460.70
Closing costs + prepaids$15,474.85
Total buyer cash needed$71,935.55
Remaining funds due$71,935.55
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,750.00
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)$921.25
Initial HOA (3 months)$20.01
Prepaid interest, first (22 days)$1,308.59
Fees + prepaids$15,474.85
Your down payment is the seller’s equity. You take over the $618,539 balance, so the rest of the $675,000 price is paid at closing. A second mortgage can cover part of it. $71,935.55 is due at closing. Uses and sources reconcile at $690,474.85 each. Not a Closing Disclosure.