Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$99,725Cash toward the purchase price.
Closing costs + prepaids$17,916Not just lender fees.
Before credits & paid funds$117,641The complete starting cash picture.
Estimated remaining funds due at closing
$117,641No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$99,724.96
Your down payment$99,724.96
Closing costs + prepaids$17,916.38
Total buyer cash needed$117,641.34
Remaining funds due$117,641.34
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,790.00
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)$1,697.50
Initial HOA (3 months)$360.00
Prepaid interest, first (24 days)$2,593.88
Fees + prepaids$17,916.38
Your down payment is the seller’s equity. You take over the $579,275 balance, so the rest of the $679,000 price is paid at closing. A second mortgage can cover part of it. $117,641.34 is due at closing. Uses and sources reconcile at $696,916.38 each. Not a Closing Disclosure.