Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$99,699Cash toward the purchase price.
Closing costs + prepaids$16,001Not just lender fees.
Before credits & paid funds$115,700The complete starting cash picture.
Estimated remaining funds due at closing
$115,700No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$99,698.72
Your down payment$99,698.72
Closing costs + prepaids$16,001.43
Total buyer cash needed$115,700.15
Remaining funds due$115,700.15
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,350.00
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)$586.75
Prepaid interest, first (27 days)$2,589.68
Fees + prepaids$16,001.43
Your down payment is the seller’s equity. You take over the $535,301 balance, so the rest of the $635,000 price is paid at closing. A second mortgage can cover part of it. $115,700.15 is due at closing. Uses and sources reconcile at $651,001.43 each. Not a Closing Disclosure.