Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$105,939Cash toward the purchase price.
Closing costs + prepaids$16,043Not just lender fees.
Before credits & paid funds$121,982The complete starting cash picture.
Estimated remaining funds due at closing
$121,982No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$105,939.27
Your down payment$105,939.27
Closing costs + prepaids$16,042.89
Total buyer cash needed$121,982.16
Remaining funds due$121,982.16
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,250.00
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)$816.00
Initial HOA (3 months)$1,350.00
Prepaid interest, first (27 days)$1,151.89
Fees + prepaids$16,042.89
Your down payment is the seller’s equity. You take over the $519,061 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $121,982.16 is due at closing. Uses and sources reconcile at $641,042.89 each. Not a Closing Disclosure.