Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$90,359Cash toward the purchase price.
Closing costs + prepaids$16,842Not just lender fees.
Before credits & paid funds$107,202The complete starting cash picture.
Estimated remaining funds due at closing
$107,202No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$90,359.46
Your down payment$90,359.46
Closing costs + prepaids$16,842.39
Total buyer cash needed$107,201.86
Remaining funds due$107,201.86
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,180.00
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)$1,545.00
Prepaid interest, first (27 days)$2,642.39
Fees + prepaids$16,842.39
Your down payment is the seller’s equity. You take over the $527,641 balance, so the rest of the $618,000 price is paid at closing. A second mortgage can cover part of it. $107,201.86 is due at closing. Uses and sources reconcile at $634,842.39 each. Not a Closing Disclosure.