Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$104,185Cash toward the purchase price.
Closing costs + prepaids$19,292Not just lender fees.
Before credits & paid funds$123,477The complete starting cash picture.
Estimated remaining funds due at closing
$123,477No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$104,185.07
Your down payment$104,185.07
Closing costs + prepaids$19,292.03
Total buyer cash needed$123,477.10
Remaining funds due$123,477.10
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,490.00
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)$1,622.50
Initial HOA (3 months)$2,103.00
Prepaid interest, first (29 days)$2,601.53
Fees + prepaids$19,292.03
Your down payment is the seller’s equity. You take over the $544,815 balance, so the rest of the $649,000 price is paid at closing. A second mortgage can cover part of it. $123,477.10 is due at closing. Uses and sources reconcile at $668,292.03 each. Not a Closing Disclosure.