Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$104,508Cash toward the purchase price.
Closing costs + prepaids$16,409Not just lender fees.
Before credits & paid funds$120,917The complete starting cash picture.
Estimated remaining funds due at closing
$120,917No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$104,507.89
Your down payment$104,507.89
Closing costs + prepaids$16,408.80
Total buyer cash needed$120,916.70
Remaining funds due$120,916.70
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,299.00
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)$607.25
Prepaid interest, first (27 days)$3,027.55
Fees + prepaids$16,408.80
Your down payment is the seller’s equity. You take over the $525,392 balance, so the rest of the $629,900 price is paid at closing. A second mortgage can cover part of it. $120,916.70 is due at closing. Uses and sources reconcile at $646,308.80 each. Not a Closing Disclosure.