Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$99,573Cash toward the purchase price.
Closing costs + prepaids$17,034Not just lender fees.
Before credits & paid funds$116,607The complete starting cash picture.
Estimated remaining funds due at closing
$116,607No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$99,572.64
Your down payment$99,572.64
Closing costs + prepaids$17,034.44
Total buyer cash needed$116,607.09
Remaining funds due$116,607.09
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,699.00
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)$1,117.25
Initial HOA (3 months)$135.00
Prepaid interest, first (26 days)$2,608.19
Fees + prepaids$17,034.44
Your down payment is the seller’s equity. You take over the $570,327 balance, so the rest of the $669,900 price is paid at closing. A second mortgage can cover part of it. $116,607.09 is due at closing. Uses and sources reconcile at $686,934.44 each. Not a Closing Disclosure.