Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$86,389Cash toward the purchase price.
Closing costs + prepaids$19,256Not just lender fees.
Before credits & paid funds$105,645The complete starting cash picture.
Estimated remaining funds due at closing
$105,645No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$86,388.65
Your down payment$86,388.65
Closing costs + prepaids$19,256.10
Total buyer cash needed$105,644.75
Remaining funds due$105,644.75
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,198.88
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,799.75
Prepaid interest, first (28 days)$3,032.47
Fees + prepaids$19,256.10
Your down payment is the seller’s equity. You take over the $633,499 balance, so the rest of the $719,888 price is paid at closing. A second mortgage can cover part of it. $105,644.75 is due at closing. Uses and sources reconcile at $739,144.10 each. Not a Closing Disclosure.