Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$79,603Cash toward the purchase price.
Closing costs + prepaids$17,910Not just lender fees.
Before credits & paid funds$97,513The complete starting cash picture.
Estimated remaining funds due at closing
$97,513No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$79,603.31
Your down payment$79,603.31
Closing costs + prepaids$17,909.84
Total buyer cash needed$97,513.15
Remaining funds due$97,513.15
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,190.00
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)$1,547.50
Initial HOA (3 months)$1,440.00
Prepaid interest, first (25 days)$2,257.34
Fees + prepaids$17,909.84
Your down payment is the seller’s equity. You take over the $539,397 balance, so the rest of the $619,000 price is paid at closing. A second mortgage can cover part of it. $97,513.15 is due at closing. Uses and sources reconcile at $636,909.84 each. Not a Closing Disclosure.