Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$100,483Cash toward the purchase price.
Closing costs + prepaids$17,413Not just lender fees.
Before credits & paid funds$117,896The complete starting cash picture.
Estimated remaining funds due at closing
$117,896No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$100,483.18
Your down payment$100,483.18
Closing costs + prepaids$17,412.72
Total buyer cash needed$117,895.90
Remaining funds due$117,895.90
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
Prepaid interest, first (24 days)$2,375.22
Fees + prepaids$17,412.72
Your down payment is the seller’s equity. You take over the $584,517 balance, so the rest of the $685,000 price is paid at closing. A second mortgage can cover part of it. $117,895.90 is due at closing. Uses and sources reconcile at $702,412.72 each. Not a Closing Disclosure.