Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$93,426Cash toward the purchase price.
Closing costs + prepaids$21,128Not just lender fees.
Before credits & paid funds$114,554The complete starting cash picture.
Estimated remaining funds due at closing
$114,554No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$93,426.45
Your down payment$93,426.45
Closing costs + prepaids$21,127.73
Total buyer cash needed$114,554.18
Remaining funds due$114,554.18
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,250.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,812.50
Initial HOA (3 months)$1,890.00
Prepaid interest, first (25 days)$2,950.23
Fees + prepaids$21,127.73
Your down payment is the seller’s equity. You take over the $631,574 balance, so the rest of the $725,000 price is paid at closing. A second mortgage can cover part of it. $114,554.18 is due at closing. Uses and sources reconcile at $746,127.73 each. Not a Closing Disclosure.