Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$69,314Cash toward the purchase price.
Closing costs + prepaids$18,425Not just lender fees.
Before credits & paid funds$87,739The complete starting cash picture.
Estimated remaining funds due at closing
$87,739No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$69,313.67
Your down payment$69,313.67
Closing costs + prepaids$18,424.94
Total buyer cash needed$87,738.60
Remaining funds due$87,738.60
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,780.00
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)$1,695.00
Initial HOA (3 months)$138.00
Prepaid interest, first (29 days)$3,336.94
Fees + prepaids$18,424.94
Your down payment is the seller’s equity. You take over the $608,686 balance, so the rest of the $678,000 price is paid at closing. A second mortgage can cover part of it. $87,738.60 is due at closing. Uses and sources reconcile at $696,424.94 each. Not a Closing Disclosure.