Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$101,943Cash toward the purchase price.
Closing costs + prepaids$16,743Not just lender fees.
Before credits & paid funds$118,686The complete starting cash picture.
Estimated remaining funds due at closing
$118,686No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$101,943.19
Your down payment$101,943.19
Closing costs + prepaids$16,743.09
Total buyer cash needed$118,686.29
Remaining funds due$118,686.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,249.00
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)$1,562.25
Initial HOA (3 months)$408.00
Prepaid interest, first (22 days)$2,048.84
Fees + prepaids$16,743.09
Your down payment is the seller’s equity. You take over the $522,957 balance, so the rest of the $624,900 price is paid at closing. A second mortgage can cover part of it. $118,686.29 is due at closing. Uses and sources reconcile at $641,643.09 each. Not a Closing Disclosure.