Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$68,891Cash toward the purchase price.
Closing costs + prepaids$14,893Not just lender fees.
Before credits & paid funds$83,784The complete starting cash picture.
Estimated remaining funds due at closing
$83,784No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$68,890.87
Your down payment$68,890.87
Closing costs + prepaids$14,893.49
Total buyer cash needed$83,784.37
Remaining funds due$83,784.37
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,400.00
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
Prepaid interest, first (12 days)$1,250.49
Fees + prepaids$14,893.49
Your down payment is the seller’s equity. You take over the $571,109 balance, so the rest of the $640,000 price is paid at closing. A second mortgage can cover part of it. $83,784.37 is due at closing. Uses and sources reconcile at $654,893.49 each. Not a Closing Disclosure.