Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$86,099Cash toward the purchase price.
Closing costs + prepaids$17,684Not just lender fees.
Before credits & paid funds$103,783The complete starting cash picture.
Estimated remaining funds due at closing
$103,783No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$86,098.52
Your down payment$86,098.52
Closing costs + prepaids$17,684.41
Total buyer cash needed$103,782.93
Remaining funds due$103,782.93
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,450.00
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)$1,612.50
Initial HOA (3 months)$210.00
Prepaid interest, first (28 days)$2,936.91
Fees + prepaids$17,684.41
Your down payment is the seller’s equity. You take over the $558,901 balance, so the rest of the $645,000 price is paid at closing. A second mortgage can cover part of it. $103,782.93 is due at closing. Uses and sources reconcile at $662,684.41 each. Not a Closing Disclosure.