Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$82,650Cash toward the purchase price.
Closing costs + prepaids$17,566Not just lender fees.
Before credits & paid funds$100,217The complete starting cash picture.
Estimated remaining funds due at closing
$100,217No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$82,650.49
Your down payment$82,650.49
Closing costs + prepaids$17,566.15
Total buyer cash needed$100,216.65
Remaining funds due$100,216.65
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,190.00
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)$1,547.50
Initial HOA (3 months)$1,425.00
Prepaid interest, first (25 days)$1,928.65
Fees + prepaids$17,566.15
Your down payment is the seller’s equity. You take over the $536,350 balance, so the rest of the $619,000 price is paid at closing. A second mortgage can cover part of it. $100,216.65 is due at closing. Uses and sources reconcile at $636,566.15 each. Not a Closing Disclosure.