Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$105,196Cash toward the purchase price.
Closing costs + prepaids$17,744Not just lender fees.
Before credits & paid funds$122,941The complete starting cash picture.
Estimated remaining funds due at closing
$122,941No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$105,196.36
Your down payment$105,196.36
Closing costs + prepaids$17,744.20
Total buyer cash needed$122,940.56
Remaining funds due$122,940.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,399.99
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)$1,600.00
Initial HOA (3 months)$633.00
Prepaid interest, first (26 days)$2,636.21
Fees + prepaids$17,744.20
Your down payment is the seller’s equity. You take over the $534,803 balance, so the rest of the $639,999 price is paid at closing. A second mortgage can cover part of it. $122,940.56 is due at closing. Uses and sources reconcile at $657,743.20 each. Not a Closing Disclosure.