Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$95,660Cash toward the purchase price.
Closing costs + prepaids$18,357Not just lender fees.
Before credits & paid funds$114,017The complete starting cash picture.
Estimated remaining funds due at closing
$114,017No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$95,660.12
Your down payment$95,660.12
Closing costs + prepaids$18,356.67
Total buyer cash needed$114,016.79
Remaining funds due$114,016.79
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,800.00
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)$1,700.00
Initial HOA (3 months)$792.00
Prepaid interest, first (24 days)$2,589.67
Fees + prepaids$18,356.67
Your down payment is the seller’s equity. You take over the $584,340 balance, so the rest of the $680,000 price is paid at closing. A second mortgage can cover part of it. $114,016.79 is due at closing. Uses and sources reconcile at $698,356.67 each. Not a Closing Disclosure.