Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$78,356Cash toward the purchase price.
Closing costs + prepaids$16,004Not just lender fees.
Before credits & paid funds$94,360The complete starting cash picture.
Estimated remaining funds due at closing
$94,360No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$78,355.59
Your down payment$78,355.59
Closing costs + prepaids$16,003.95
Total buyer cash needed$94,359.54
Remaining funds due$94,359.54
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,480.00
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)$1,620.00
Prepaid interest, first (28 days)$1,428.95
Fees + prepaids$16,003.95
Your down payment is the seller’s equity. You take over the $569,644 balance, so the rest of the $648,000 price is paid at closing. A second mortgage can cover part of it. $94,359.54 is due at closing. Uses and sources reconcile at $664,003.95 each. Not a Closing Disclosure.