Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$63,346Cash toward the purchase price.
Closing costs + prepaids$18,458Not just lender fees.
Before credits & paid funds$81,803The complete starting cash picture.
Estimated remaining funds due at closing
$81,803No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$63,345.51
Your down payment$63,345.51
Closing costs + prepaids$18,457.63
Total buyer cash needed$81,803.14
Remaining funds due$81,803.14
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)$1,320.00
Prepaid interest, first (27 days)$2,850.13
Fees + prepaids$18,457.63
Your down payment is the seller’s equity. You take over the $561,654 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $81,803.14 is due at closing. Uses and sources reconcile at $643,457.63 each. Not a Closing Disclosure.