Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$65,972Cash toward the purchase price.
Closing costs + prepaids$16,441Not just lender fees.
Before credits & paid funds$82,413The complete starting cash picture.
Estimated remaining funds due at closing
$82,413No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$65,971.58
Your down payment$65,971.58
Closing costs + prepaids$16,440.93
Total buyer cash needed$82,412.50
Remaining funds due$82,412.50
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,250.00
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)$761.75
Initial HOA (3 months)$201.00
Prepaid interest, first (28 days)$2,753.18
Fees + prepaids$16,440.93
Your down payment is the seller’s equity. You take over the $559,028 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $82,412.50 is due at closing. Uses and sources reconcile at $641,440.93 each. Not a Closing Disclosure.