Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$87,315Cash toward the purchase price.
Closing costs + prepaids$16,584Not just lender fees.
Before credits & paid funds$103,899The complete starting cash picture.
Estimated remaining funds due at closing
$103,899No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$87,314.94
Your down payment$87,314.94
Closing costs + prepaids$16,584.09
Total buyer cash needed$103,899.02
Remaining funds due$103,899.02
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,050.00
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)$1,512.50
Prepaid interest, first (27 days)$2,546.59
Fees + prepaids$16,584.09
Your down payment is the seller’s equity. You take over the $517,685 balance, so the rest of the $605,000 price is paid at closing. A second mortgage can cover part of it. $103,899.02 is due at closing. Uses and sources reconcile at $621,584.09 each. Not a Closing Disclosure.