Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$102,158Cash toward the purchase price.
Closing costs + prepaids$17,501Not just lender fees.
Before credits & paid funds$119,659The complete starting cash picture.
Estimated remaining funds due at closing
$119,659No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$102,157.65
Your down payment$102,157.65
Closing costs + prepaids$17,501.12
Total buyer cash needed$119,658.77
Remaining funds due$119,658.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,699.00
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)$1,674.75
Prepaid interest, first (28 days)$2,652.37
Fees + prepaids$17,501.12
Your down payment is the seller’s equity. You take over the $567,742 balance, so the rest of the $669,900 price is paid at closing. A second mortgage can cover part of it. $119,658.77 is due at closing. Uses and sources reconcile at $687,401.12 each. Not a Closing Disclosure.