Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$90,629Cash toward the purchase price.
Closing costs + prepaids$17,806Not just lender fees.
Before credits & paid funds$108,435The complete starting cash picture.
Estimated remaining funds due at closing
$108,435No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$90,629.25
Your down payment$90,629.25
Closing costs + prepaids$17,805.57
Total buyer cash needed$108,434.82
Remaining funds due$108,434.82
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,699.99
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)$1,675.00
Prepaid interest, first (28 days)$2,955.58
Fees + prepaids$17,805.57
Your down payment is the seller’s equity. You take over the $579,370 balance, so the rest of the $669,999 price is paid at closing. A second mortgage can cover part of it. $108,434.82 is due at closing. Uses and sources reconcile at $687,804.57 each. Not a Closing Disclosure.