Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$111,512Cash toward the purchase price.
Closing costs + prepaids$16,892Not just lender fees.
Before credits & paid funds$128,404The complete starting cash picture.
Estimated remaining funds due at closing
$128,404No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$111,511.92
Your down payment$111,511.92
Closing costs + prepaids$16,891.59
Total buyer cash needed$128,403.51
Remaining funds due$128,403.51
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,199.00
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)$1,549.75
Initial HOA (3 months)$495.00
Prepaid interest, first (24 days)$2,172.84
Fees + prepaids$16,891.59
Your down payment is the seller’s equity. You take over the $508,388 balance, so the rest of the $619,900 price is paid at closing. A second mortgage can cover part of it. $128,403.51 is due at closing. Uses and sources reconcile at $636,791.59 each. Not a Closing Disclosure.