Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$110,596Cash toward the purchase price.
Closing costs + prepaids$18,381Not just lender fees.
Before credits & paid funds$128,977The complete starting cash picture.
Estimated remaining funds due at closing
$128,977No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$110,595.97
Your down payment$110,595.97
Closing costs + prepaids$18,380.71
Total buyer cash needed$128,976.69
Remaining funds due$128,976.69
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,720.00
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)$2,184.50
Initial HOA (3 months)$360.00
Prepaid interest, first (27 days)$2,641.21
Fees + prepaids$18,380.71
Your down payment is the seller’s equity. You take over the $561,404 balance, so the rest of the $672,000 price is paid at closing. A second mortgage can cover part of it. $128,976.69 is due at closing. Uses and sources reconcile at $690,380.71 each. Not a Closing Disclosure.