Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$75,002Cash toward the purchase price.
Closing costs + prepaids$18,488Not just lender fees.
Before credits & paid funds$93,490The complete starting cash picture.
Estimated remaining funds due at closing
$93,490No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$75,001.64
Your down payment$75,001.64
Closing costs + prepaids$18,488.04
Total buyer cash needed$93,489.68
Remaining funds due$93,489.68
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)$1,562.50
Initial HOA (3 months)$1,605.00
Prepaid interest, first (25 days)$2,595.54
Fees + prepaids$18,488.04
Your down payment is the seller’s equity. You take over the $549,998 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $93,489.68 is due at closing. Uses and sources reconcile at $643,488.04 each. Not a Closing Disclosure.