Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$90,440Cash toward the purchase price.
Closing costs + prepaids$17,089Not just lender fees.
Before credits & paid funds$107,528The complete starting cash picture.
Estimated remaining funds due at closing
$107,528No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$90,439.68
Your down payment$90,439.68
Closing costs + prepaids$17,088.68
Total buyer cash needed$107,528.36
Remaining funds due$107,528.36
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,999.99
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)$862.00
Initial HOA (3 months)$255.00
Prepaid interest, first (25 days)$2,496.69
Fees + prepaids$17,088.68
Your down payment is the seller’s equity. You take over the $609,559 balance, so the rest of the $699,999 price is paid at closing. A second mortgage can cover part of it. $107,528.36 is due at closing. Uses and sources reconcile at $717,087.68 each. Not a Closing Disclosure.