Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$81,723Cash toward the purchase price.
Closing costs + prepaids$17,971Not just lender fees.
Before credits & paid funds$99,694The complete starting cash picture.
Estimated remaining funds due at closing
$99,694No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$81,723.03
Your down payment$81,723.03
Closing costs + prepaids$17,971.27
Total buyer cash needed$99,694.30
Remaining funds due$99,694.30
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,799.00
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)$1,717.75
Initial HOA (3 months)$134.49
Prepaid interest, first (28 days)$2,845.03
Fees + prepaids$17,971.27
Your down payment is the seller’s equity. You take over the $598,177 balance, so the rest of the $679,900 price is paid at closing. A second mortgage can cover part of it. $99,694.30 is due at closing. Uses and sources reconcile at $697,871.27 each. Not a Closing Disclosure.