Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$90,491Cash toward the purchase price.
Closing costs + prepaids$18,835Not just lender fees.
Before credits & paid funds$109,326The complete starting cash picture.
Estimated remaining funds due at closing
$109,326No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$90,491.08
Your down payment$90,491.08
Closing costs + prepaids$18,835.07
Total buyer cash needed$109,326.15
Remaining funds due$109,326.15
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,150.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$920.50
Initial HOA (3 months)$210.00
Prepaid interest, first (28 days)$3,329.57
Fees + prepaids$18,835.07
Your down payment is the seller’s equity. You take over the $624,509 balance, so the rest of the $715,000 price is paid at closing. A second mortgage can cover part of it. $109,326.15 is due at closing. Uses and sources reconcile at $733,835.07 each. Not a Closing Disclosure.