Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$85,309Cash toward the purchase price.
Closing costs + prepaids$14,762Not just lender fees.
Before credits & paid funds$100,071The complete starting cash picture.
Estimated remaining funds due at closing
$100,071No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$85,308.87
Your down payment$85,308.87
Closing costs + prepaids$14,761.67
Total buyer cash needed$100,070.54
Remaining funds due$100,070.54
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,349.99
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)$762.00
Prepaid interest, first (12 days)$1,174.68
Fees + prepaids$14,761.67
Your down payment is the seller’s equity. You take over the $549,690 balance, so the rest of the $634,999 price is paid at closing. A second mortgage can cover part of it. $100,070.54 is due at closing. Uses and sources reconcile at $649,760.67 each. Not a Closing Disclosure.