Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$91,601Cash toward the purchase price.
Closing costs + prepaids$16,694Not just lender fees.
Before credits & paid funds$108,295The complete starting cash picture.
Estimated remaining funds due at closing
$108,295No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$91,600.97
Your down payment$91,600.97
Closing costs + prepaids$16,694.07
Total buyer cash needed$108,295.04
Remaining funds due$108,295.04
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,050.00
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)$1,690.75
Initial HOA (3 months)$270.00
Prepaid interest, first (25 days)$2,208.32
Fees + prepaids$16,694.07
Your down payment is the seller’s equity. You take over the $513,399 balance, so the rest of the $605,000 price is paid at closing. A second mortgage can cover part of it. $108,295.04 is due at closing. Uses and sources reconcile at $621,694.07 each. Not a Closing Disclosure.