Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$75,758Cash toward the purchase price.
Closing costs + prepaids$19,324Not just lender fees.
Before credits & paid funds$95,082The complete starting cash picture.
Estimated remaining funds due at closing
$95,082No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$75,758.35
Your down payment$75,758.35
Closing costs + prepaids$19,323.79
Total buyer cash needed$95,082.14
Remaining funds due$95,082.14
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,400.00
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)$1,600.00
Initial HOA (3 months)$1,890.00
Prepaid interest, first (29 days)$2,958.79
Fees + prepaids$19,323.79
Your down payment is the seller’s equity. You take over the $564,242 balance, so the rest of the $640,000 price is paid at closing. A second mortgage can cover part of it. $95,082.14 is due at closing. Uses and sources reconcile at $659,323.79 each. Not a Closing Disclosure.