Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$102,176Cash toward the purchase price.
Closing costs + prepaids$17,113Not just lender fees.
Before credits & paid funds$119,288The complete starting cash picture.
Estimated remaining funds due at closing
$119,288No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$102,175.83
Your down payment$102,175.83
Closing costs + prepaids$17,112.66
Total buyer cash needed$119,288.50
Remaining funds due$119,288.50
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)$1,459.75
Initial HOA (3 months)$99.99
Prepaid interest, first (26 days)$2,677.92
Fees + prepaids$17,112.66
Your down payment is the seller’s equity. You take over the $537,824 balance, so the rest of the $640,000 price is paid at closing. A second mortgage can cover part of it. $119,288.50 is due at closing. Uses and sources reconcile at $657,112.66 each. Not a Closing Disclosure.