Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$54,456Cash toward the purchase price.
Closing costs + prepaids$15,641Not just lender fees.
Before credits & paid funds$70,097The complete starting cash picture.
Estimated remaining funds due at closing
$70,097No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$54,455.96
Your down payment$54,455.96
Closing costs + prepaids$15,641.33
Total buyer cash needed$70,097.28
Remaining funds due$70,097.28
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,399.00
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)$247.00
Initial HOA (3 months)$162.51
Prepaid interest, first (28 days)$2,357.82
Fees + prepaids$15,641.33
Your down payment is the seller’s equity. You take over the $585,444 balance, so the rest of the $639,900 price is paid at closing. A second mortgage can cover part of it. $70,097.28 is due at closing. Uses and sources reconcile at $655,541.33 each. Not a Closing Disclosure.