Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$77,601Cash toward the purchase price.
Closing costs + prepaids$16,047Not just lender fees.
Before credits & paid funds$93,647The complete starting cash picture.
Estimated remaining funds due at closing
$93,647No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$77,600.78
Your down payment$77,600.78
Closing costs + prepaids$16,046.53
Total buyer cash needed$93,647.31
Remaining funds due$93,647.31
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,250.00
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)$895.50
Initial HOA (3 months)$91.26
Prepaid interest, first (28 days)$2,334.77
Fees + prepaids$16,046.53
Your down payment is the seller’s equity. You take over the $547,399 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $93,647.31 is due at closing. Uses and sources reconcile at $641,046.53 each. Not a Closing Disclosure.