Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$85,261Cash toward the purchase price.
Closing costs + prepaids$14,644Not just lender fees.
Before credits & paid funds$99,905The complete starting cash picture.
Estimated remaining funds due at closing
$99,905No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$85,260.81
Your down payment$85,260.81
Closing costs + prepaids$14,644.42
Total buyer cash needed$99,905.23
Remaining funds due$99,905.23
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,249.00
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)$56.25
Prepaid interest, first (12 days)$1,114.17
Fees + prepaids$14,644.42
Your down payment is the seller’s equity. You take over the $539,639 balance, so the rest of the $624,900 price is paid at closing. A second mortgage can cover part of it. $99,905.23 is due at closing. Uses and sources reconcile at $639,544.42 each. Not a Closing Disclosure.