Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$77,428Cash toward the purchase price.
Closing costs + prepaids$17,915Not just lender fees.
Before credits & paid funds$95,342The complete starting cash picture.
Estimated remaining funds due at closing
$95,342No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$77,427.50
Your down payment$77,427.50
Closing costs + prepaids$17,914.78
Total buyer cash needed$95,342.28
Remaining funds due$95,342.28
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,449.99
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)$1,612.50
Initial HOA (3 months)$810.00
Prepaid interest, first (26 days)$2,567.29
Fees + prepaids$17,914.78
Your down payment is the seller’s equity. You take over the $567,571 balance, so the rest of the $644,999 price is paid at closing. A second mortgage can cover part of it. $95,342.28 is due at closing. Uses and sources reconcile at $662,913.78 each. Not a Closing Disclosure.