Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$68,193Cash toward the purchase price.
Closing costs + prepaids$16,754Not just lender fees.
Before credits & paid funds$84,946The complete starting cash picture.
Estimated remaining funds due at closing
$84,946No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$68,192.56
Your down payment$68,192.56
Closing costs + prepaids$16,753.93
Total buyer cash needed$84,946.49
Remaining funds due$84,946.49
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,599.00
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)$873.00
Initial HOA (3 months)$414.00
Prepaid interest, first (29 days)$2,392.93
Fees + prepaids$16,753.93
Your down payment is the seller’s equity. You take over the $591,707 balance, so the rest of the $659,900 price is paid at closing. A second mortgage can cover part of it. $84,946.49 is due at closing. Uses and sources reconcile at $676,653.93 each. Not a Closing Disclosure.