Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$95,814Cash toward the purchase price.
Closing costs + prepaids$19,195Not just lender fees.
Before credits & paid funds$115,009The complete starting cash picture.
Estimated remaining funds due at closing
$115,009No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$95,813.71
Your down payment$95,813.71
Closing costs + prepaids$19,194.81
Total buyer cash needed$115,008.52
Remaining funds due$115,008.52
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,099.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,956.00
Prepaid interest, first (25 days)$2,914.81
Fees + prepaids$19,194.81
Your down payment is the seller’s equity. You take over the $614,086 balance, so the rest of the $709,900 price is paid at closing. A second mortgage can cover part of it. $115,008.52 is due at closing. Uses and sources reconcile at $729,094.81 each. Not a Closing Disclosure.