Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$87,151Cash toward the purchase price.
Closing costs + prepaids$16,250Not just lender fees.
Before credits & paid funds$103,401The complete starting cash picture.
Estimated remaining funds due at closing
$103,401No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$87,151.30
Your down payment$87,151.30
Closing costs + prepaids$16,249.56
Total buyer cash needed$103,400.86
Remaining funds due$103,400.86
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)$1,463.75
Initial HOA (3 months)$465.00
Prepaid interest, first (25 days)$1,745.81
Fees + prepaids$16,249.56
Your down payment is the seller’s equity. You take over the $522,849 balance, so the rest of the $610,000 price is paid at closing. A second mortgage can cover part of it. $103,400.86 is due at closing. Uses and sources reconcile at $626,249.56 each. Not a Closing Disclosure.