Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$116,872Cash toward the purchase price.
Closing costs + prepaids$17,145Not just lender fees.
Before credits & paid funds$134,017The complete starting cash picture.
Estimated remaining funds due at closing
$134,017No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$116,871.93
Your down payment$116,871.93
Closing costs + prepaids$17,144.69
Total buyer cash needed$134,016.62
Remaining funds due$134,016.62
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,100.00
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)$1,989.00
Initial HOA (3 months)$92.76
Prepaid interest, first (29 days)$2,487.93
Fees + prepaids$17,144.69
Your down payment is the seller’s equity. You take over the $493,128 balance, so the rest of the $610,000 price is paid at closing. A second mortgage can cover part of it. $134,016.62 is due at closing. Uses and sources reconcile at $627,144.69 each. Not a Closing Disclosure.