Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$62,051Cash toward the purchase price.
Closing costs + prepaids$17,336Not just lender fees.
Before credits & paid funds$79,386The complete starting cash picture.
Estimated remaining funds due at closing
$79,386No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$62,050.66
Your down payment$62,050.66
Closing costs + prepaids$17,335.52
Total buyer cash needed$79,386.18
Remaining funds due$79,386.18
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,749.00
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)$898.50
Initial HOA (3 months)$270.00
Prepaid interest, first (28 days)$2,943.02
Fees + prepaids$17,335.52
Your down payment is the seller’s equity. You take over the $612,849 balance, so the rest of the $674,900 price is paid at closing. A second mortgage can cover part of it. $79,386.18 is due at closing. Uses and sources reconcile at $692,235.52 each. Not a Closing Disclosure.