Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$74,188Cash toward the purchase price.
Closing costs + prepaids$17,995Not just lender fees.
Before credits & paid funds$92,184The complete starting cash picture.
Estimated remaining funds due at closing
$92,184No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$74,188.21
Your down payment$74,188.21
Closing costs + prepaids$17,995.34
Total buyer cash needed$92,183.56
Remaining funds due$92,183.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,199.00
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)$1,549.75
Initial HOA (3 months)$1,206.00
Prepaid interest, first (26 days)$2,565.59
Fees + prepaids$17,995.34
Your down payment is the seller’s equity. You take over the $545,712 balance, so the rest of the $619,900 price is paid at closing. A second mortgage can cover part of it. $92,183.56 is due at closing. Uses and sources reconcile at $637,895.34 each. Not a Closing Disclosure.