Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$82,140Cash toward the purchase price.
Closing costs + prepaids$17,410Not just lender fees.
Before credits & paid funds$99,550The complete starting cash picture.
Estimated remaining funds due at closing
$99,550No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$82,139.91
Your down payment$82,139.91
Closing costs + prepaids$17,409.71
Total buyer cash needed$99,549.62
Remaining funds due$99,549.62
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,460.00
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)$1,598.25
Prepaid interest, first (28 days)$2,876.46
Fees + prepaids$17,409.71
Your down payment is the seller’s equity. You take over the $563,860 balance, so the rest of the $646,000 price is paid at closing. A second mortgage can cover part of it. $99,549.62 is due at closing. Uses and sources reconcile at $663,409.71 each. Not a Closing Disclosure.