Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$74,929Cash toward the purchase price.
Closing costs + prepaids$16,971Not just lender fees.
Before credits & paid funds$91,901The complete starting cash picture.
Estimated remaining funds due at closing
$91,901No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$74,929.39
Your down payment$74,929.39
Closing costs + prepaids$16,971.38
Total buyer cash needed$91,900.77
Remaining funds due$91,900.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,580.00
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)$888.25
Prepaid interest, first (28 days)$3,028.13
Fees + prepaids$16,971.38
Your down payment is the seller’s equity. You take over the $583,071 balance, so the rest of the $658,000 price is paid at closing. A second mortgage can cover part of it. $91,900.77 is due at closing. Uses and sources reconcile at $674,971.38 each. Not a Closing Disclosure.