Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$71,646Cash toward the purchase price.
Closing costs + prepaids$17,466Not just lender fees.
Before credits & paid funds$89,112The complete starting cash picture.
Estimated remaining funds due at closing
$89,112No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$71,645.78
Your down payment$71,645.78
Closing costs + prepaids$17,466.21
Total buyer cash needed$89,111.99
Remaining funds due$89,111.99
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,289.90
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)$1,572.50
Initial HOA (3 months)$354.00
Prepaid interest, first (28 days)$2,774.81
Fees + prepaids$17,466.21
Your down payment is the seller’s equity. You take over the $557,344 balance, so the rest of the $628,990 price is paid at closing. A second mortgage can cover part of it. $89,111.99 is due at closing. Uses and sources reconcile at $646,456.21 each. Not a Closing Disclosure.