Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$81,341Cash toward the purchase price.
Closing costs + prepaids$17,503Not just lender fees.
Before credits & paid funds$98,844The complete starting cash picture.
Estimated remaining funds due at closing
$98,844No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$81,340.83
Your down payment$81,340.83
Closing costs + prepaids$17,503.20
Total buyer cash needed$98,844.04
Remaining funds due$98,844.04
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,399.00
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)$1,599.75
Initial HOA (3 months)$360.00
Prepaid interest, first (28 days)$2,669.45
Fees + prepaids$17,503.20
Your down payment is the seller’s equity. You take over the $558,559 balance, so the rest of the $639,900 price is paid at closing. A second mortgage can cover part of it. $98,844.04 is due at closing. Uses and sources reconcile at $657,403.20 each. Not a Closing Disclosure.