Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$102,730Cash toward the purchase price.
Closing costs + prepaids$18,503Not just lender fees.
Before credits & paid funds$121,233The complete starting cash picture.
Estimated remaining funds due at closing
$121,233No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$102,729.96
Your down payment$102,729.96
Closing costs + prepaids$18,503.13
Total buyer cash needed$121,233.10
Remaining funds due$121,233.10
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,690.00
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)$1,672.50
Initial HOA (3 months)$690.00
Prepaid interest, first (28 days)$2,975.63
Fees + prepaids$18,503.13
Your down payment is the seller’s equity. You take over the $566,270 balance, so the rest of the $669,000 price is paid at closing. A second mortgage can cover part of it. $121,233.10 is due at closing. Uses and sources reconcile at $687,503.13 each. Not a Closing Disclosure.