Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$92,639Cash toward the purchase price.
Closing costs + prepaids$15,666Not just lender fees.
Before credits & paid funds$108,304The complete starting cash picture.
Estimated remaining funds due at closing
$108,304No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$92,638.56
Your down payment$92,638.56
Closing costs + prepaids$15,665.93
Total buyer cash needed$108,304.49
Remaining funds due$108,304.49
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,080.00
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)$756.50
Prepaid interest, first (25 days)$2,354.43
Fees + prepaids$15,665.93
Your down payment is the seller’s equity. You take over the $515,361 balance, so the rest of the $608,000 price is paid at closing. A second mortgage can cover part of it. $108,304.49 is due at closing. Uses and sources reconcile at $623,665.93 each. Not a Closing Disclosure.