Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$78,477Cash toward the purchase price.
Closing costs + prepaids$16,691Not just lender fees.
Before credits & paid funds$95,169The complete starting cash picture.
Estimated remaining funds due at closing
$95,169No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$78,477.08
Your down payment$78,477.08
Closing costs + prepaids$16,691.45
Total buyer cash needed$95,168.53
Remaining funds due$95,168.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,249.00
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)$1,343.75
Initial HOA (3 months)$60.00
Prepaid interest, first (25 days)$2,563.70
Fees + prepaids$16,691.45
Your down payment is the seller’s equity. You take over the $546,423 balance, so the rest of the $624,900 price is paid at closing. A second mortgage can cover part of it. $95,168.53 is due at closing. Uses and sources reconcile at $641,591.45 each. Not a Closing Disclosure.