Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$78,716Cash toward the purchase price.
Closing costs + prepaids$16,938Not just lender fees.
Before credits & paid funds$95,653The complete starting cash picture.
Estimated remaining funds due at closing
$95,653No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$78,715.57
Your down payment$78,715.57
Closing costs + prepaids$16,937.53
Total buyer cash needed$95,653.10
Remaining funds due$95,653.10
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,149.90
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)$496.25
Initial HOA (3 months)$660.00
Prepaid interest, first (31 days)$3,156.38
Fees + prepaids$16,937.53
Your down payment is the seller’s equity. You take over the $536,274 balance, so the rest of the $614,990 price is paid at closing. A second mortgage can cover part of it. $95,653.10 is due at closing. Uses and sources reconcile at $631,927.53 each. Not a Closing Disclosure.