Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$66,101Cash toward the purchase price.
Closing costs + prepaids$18,749Not just lender fees.
Before credits & paid funds$84,850The complete starting cash picture.
Estimated remaining funds due at closing
$84,850No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$66,100.99
Your down payment$66,100.99
Closing costs + prepaids$18,748.54
Total buyer cash needed$84,849.53
Remaining funds due$84,849.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,745.00
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)$1,686.25
Initial HOA (3 months)$1,197.00
Prepaid interest, first (23 days)$2,645.29
Fees + prepaids$18,748.54
Your down payment is the seller’s equity. You take over the $608,399 balance, so the rest of the $674,500 price is paid at closing. A second mortgage can cover part of it. $84,849.53 is due at closing. Uses and sources reconcile at $693,248.54 each. Not a Closing Disclosure.