Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$81,779Cash toward the purchase price.
Closing costs + prepaids$16,732Not just lender fees.
Before credits & paid funds$98,511The complete starting cash picture.
Estimated remaining funds due at closing
$98,511No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$81,778.56
Your down payment$81,778.56
Closing costs + prepaids$16,732.07
Total buyer cash needed$98,510.63
Remaining funds due$98,510.63
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,390.00
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)$1,117.75
Prepaid interest, first (27 days)$2,749.32
Fees + prepaids$16,732.07
Your down payment is the seller’s equity. You take over the $557,221 balance, so the rest of the $639,000 price is paid at closing. A second mortgage can cover part of it. $98,510.63 is due at closing. Uses and sources reconcile at $655,732.07 each. Not a Closing Disclosure.