Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$109,924Cash toward the purchase price.
Closing costs + prepaids$18,694Not just lender fees.
Before credits & paid funds$128,617The complete starting cash picture.
Estimated remaining funds due at closing
$128,617No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$109,923.78
Your down payment$109,923.78
Closing costs + prepaids$18,693.54
Total buyer cash needed$128,617.32
Remaining funds due$128,617.32
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,150.00
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)$1,787.50
Prepaid interest, first (22 days)$2,531.04
Fees + prepaids$18,693.54
Your down payment is the seller’s equity. You take over the $605,076 balance, so the rest of the $715,000 price is paid at closing. A second mortgage can cover part of it. $128,617.32 is due at closing. Uses and sources reconcile at $733,693.54 each. Not a Closing Disclosure.