Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$108,399Cash toward the purchase price.
Closing costs + prepaids$16,696Not just lender fees.
Before credits & paid funds$125,095The complete starting cash picture.
Estimated remaining funds due at closing
$125,095No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$108,398.70
Your down payment$108,398.70
Closing costs + prepaids$16,695.81
Total buyer cash needed$125,094.51
Remaining funds due$125,094.51
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,199.99
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)$1,550.00
Prepaid interest, first (26 days)$2,470.82
Fees + prepaids$16,695.81
Your down payment is the seller’s equity. You take over the $511,600 balance, so the rest of the $619,999 price is paid at closing. A second mortgage can cover part of it. $125,094.51 is due at closing. Uses and sources reconcile at $636,694.81 each. Not a Closing Disclosure.