Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$66,321Cash toward the purchase price.
Closing costs + prepaids$17,944Not just lender fees.
Before credits & paid funds$84,265The complete starting cash picture.
Estimated remaining funds due at closing
$84,265No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$66,320.63
Your down payment$66,320.63
Closing costs + prepaids$17,944.04
Total buyer cash needed$84,264.68
Remaining funds due$84,264.68
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)$863.25
Prepaid interest, first (29 days)$2,705.79
Fees + prepaids$17,944.04
Your down payment is the seller’s equity. You take over the $648,679 balance, so the rest of the $715,000 price is paid at closing. A second mortgage can cover part of it. $84,264.68 is due at closing. Uses and sources reconcile at $732,944.04 each. Not a Closing Disclosure.