Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$74,091Cash toward the purchase price.
Closing costs + prepaids$17,782Not just lender fees.
Before credits & paid funds$91,873The complete starting cash picture.
Estimated remaining funds due at closing
$91,873No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$74,090.99
Your down payment$74,090.99
Closing costs + prepaids$17,781.92
Total buyer cash needed$91,872.91
Remaining funds due$91,872.91
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,400.00
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)$2,304.25
Initial HOA (3 months)$135.00
Prepaid interest, first (23 days)$2,467.67
Fees + prepaids$17,781.92
Your down payment is the seller’s equity. You take over the $565,909 balance, so the rest of the $640,000 price is paid at closing. A second mortgage can cover part of it. $91,872.91 is due at closing. Uses and sources reconcile at $657,781.92 each. Not a Closing Disclosure.