Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$71,306Cash toward the purchase price.
Closing costs + prepaids$17,759Not just lender fees.
Before credits & paid funds$89,064The complete starting cash picture.
Estimated remaining funds due at closing
$89,064No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$71,305.85
Your down payment$71,305.85
Closing costs + prepaids$17,758.63
Total buyer cash needed$89,064.48
Remaining funds due$89,064.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,750.00
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)$1,687.50
Prepaid interest, first (24 days)$2,846.13
Fees + prepaids$17,758.63
Your down payment is the seller’s equity. You take over the $603,694 balance, so the rest of the $675,000 price is paid at closing. A second mortgage can cover part of it. $89,064.48 is due at closing. Uses and sources reconcile at $692,758.63 each. Not a Closing Disclosure.