Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$94,566Cash toward the purchase price.
Closing costs + prepaids$16,502Not just lender fees.
Before credits & paid funds$111,068The complete starting cash picture.
Estimated remaining funds due at closing
$111,068No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$94,566.47
Your down payment$94,566.47
Closing costs + prepaids$16,501.77
Total buyer cash needed$111,068.24
Remaining funds due$111,068.24
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,390.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$886.75
Prepaid interest, first (12 days)$1,000.02
Fees + prepaids$16,501.77
Your down payment is the seller’s equity. You take over the $644,434 balance, so the rest of the $739,000 price is paid at closing. A second mortgage can cover part of it. $111,068.24 is due at closing. Uses and sources reconcile at $755,501.77 each. Not a Closing Disclosure.