Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$111,271Cash toward the purchase price.
Closing costs + prepaids$18,005Not just lender fees.
Before credits & paid funds$129,276The complete starting cash picture.
Estimated remaining funds due at closing
$129,276No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$111,270.72
Your down payment$111,270.72
Closing costs + prepaids$18,005.19
Total buyer cash needed$129,275.91
Remaining funds due$129,275.91
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,850.00
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)$1,712.50
Initial HOA (3 months)$1,194.00
Prepaid interest, first (28 days)$1,773.69
Fees + prepaids$18,005.19
Your down payment is the seller’s equity. You take over the $573,729 balance, so the rest of the $685,000 price is paid at closing. A second mortgage can cover part of it. $129,275.91 is due at closing. Uses and sources reconcile at $703,005.19 each. Not a Closing Disclosure.