Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$82,511Cash toward the purchase price.
Closing costs + prepaids$16,995Not just lender fees.
Before credits & paid funds$99,506The complete starting cash picture.
Estimated remaining funds due at closing
$99,506No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$82,511.21
Your down payment$82,511.21
Closing costs + prepaids$16,994.89
Total buyer cash needed$99,506.10
Remaining funds due$99,506.10
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,740.00
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)$984.50
Prepaid interest, first (25 days)$2,795.39
Fees + prepaids$16,994.89
Your down payment is the seller’s equity. You take over the $591,489 balance, so the rest of the $674,000 price is paid at closing. A second mortgage can cover part of it. $99,506.10 is due at closing. Uses and sources reconcile at $690,994.89 each. Not a Closing Disclosure.