Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$73,813Cash toward the purchase price.
Closing costs + prepaids$16,658Not just lender fees.
Before credits & paid funds$90,471The complete starting cash picture.
Estimated remaining funds due at closing
$90,471No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$73,812.92
Your down payment$73,812.92
Closing costs + prepaids$16,658.42
Total buyer cash needed$90,471.34
Remaining funds due$90,471.34
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,100.00
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)$1,525.00
Prepaid interest, first (28 days)$2,558.42
Fees + prepaids$16,658.42
Your down payment is the seller’s equity. You take over the $536,187 balance, so the rest of the $610,000 price is paid at closing. A second mortgage can cover part of it. $90,471.34 is due at closing. Uses and sources reconcile at $626,658.42 each. Not a Closing Disclosure.