Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$76,301Cash toward the purchase price.
Closing costs + prepaids$18,930Not just lender fees.
Before credits & paid funds$95,231The complete starting cash picture.
Estimated remaining funds due at closing
$95,231No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$76,300.59
Your down payment$76,300.59
Closing costs + prepaids$18,930.12
Total buyer cash needed$95,230.71
Remaining funds due$95,230.71
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,749.99
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)$1,687.50
Initial HOA (3 months)$867.00
Prepaid interest, first (28 days)$3,150.63
Fees + prepaids$18,930.12
Your down payment is the seller’s equity. You take over the $598,698 balance, so the rest of the $674,999 price is paid at closing. A second mortgage can cover part of it. $95,230.71 is due at closing. Uses and sources reconcile at $693,929.12 each. Not a Closing Disclosure.