Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$84,496Cash toward the purchase price.
Closing costs + prepaids$16,516Not just lender fees.
Before credits & paid funds$101,012The complete starting cash picture.
Estimated remaining funds due at closing
$101,012No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$84,496.12
Your down payment$84,496.12
Closing costs + prepaids$16,516.20
Total buyer cash needed$101,012.32
Remaining funds due$101,012.32
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,649.00
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)$595.25
Initial HOA (3 months)$6.24
Prepaid interest, first (27 days)$2,790.71
Fees + prepaids$16,516.20
Your down payment is the seller’s equity. You take over the $580,404 balance, so the rest of the $664,900 price is paid at closing. A second mortgage can cover part of it. $101,012.32 is due at closing. Uses and sources reconcile at $681,416.20 each. Not a Closing Disclosure.