Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$72,557Cash toward the purchase price.
Closing costs + prepaids$14,608Not just lender fees.
Before credits & paid funds$87,165The complete starting cash picture.
Estimated remaining funds due at closing
$87,165No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$72,557.30
Your down payment$72,557.30
Closing costs + prepaids$14,607.59
Total buyer cash needed$87,164.89
Remaining funds due$87,164.89
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)$750.00
Initial HOA (3 months)$150.00
Prepaid interest, first (12 days)$982.59
Fees + prepaids$14,607.59
Your down payment is the seller’s equity. You take over the $552,443 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $87,164.89 is due at closing. Uses and sources reconcile at $639,607.59 each. Not a Closing Disclosure.