Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$99,144Cash toward the purchase price.
Closing costs + prepaids$14,861Not just lender fees.
Before credits & paid funds$114,005The complete starting cash picture.
Estimated remaining funds due at closing
$114,005No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$99,144.08
Your down payment$99,144.08
Closing costs + prepaids$14,860.95
Total buyer cash needed$114,005.03
Remaining funds due$114,005.03
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,399.00
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)$768.00
Initial HOA (3 months)$56.25
Prepaid interest, first (12 days)$1,162.70
Fees + prepaids$14,860.95
Your down payment is the seller’s equity. You take over the $540,756 balance, so the rest of the $639,900 price is paid at closing. A second mortgage can cover part of it. $114,005.03 is due at closing. Uses and sources reconcile at $654,760.95 each. Not a Closing Disclosure.