Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$85,223Cash toward the purchase price.
Closing costs + prepaids$15,001Not just lender fees.
Before credits & paid funds$100,224The complete starting cash picture.
Estimated remaining funds due at closing
$100,224No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$85,222.60
Your down payment$85,222.60
Closing costs + prepaids$15,001.44
Total buyer cash needed$100,224.04
Remaining funds due$100,224.04
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,084.90
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)$441.25
Initial HOA (3 months)$495.00
Prepaid interest, first (28 days)$1,505.29
Fees + prepaids$15,001.44
Your down payment is the seller’s equity. You take over the $523,267 balance, so the rest of the $608,490 price is paid at closing. A second mortgage can cover part of it. $100,224.04 is due at closing. Uses and sources reconcile at $623,491.44 each. Not a Closing Disclosure.