Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$80,185Cash toward the purchase price.
Closing costs + prepaids$18,005Not just lender fees.
Before credits & paid funds$98,190The complete starting cash picture.
Estimated remaining funds due at closing
$98,190No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$80,185.07
Your down payment$80,185.07
Closing costs + prepaids$18,005.24
Total buyer cash needed$98,190.31
Remaining funds due$98,190.31
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)$1,562.50
Initial HOA (3 months)$2,103.00
Prepaid interest, first (18 days)$1,614.74
Fees + prepaids$18,005.24
Your down payment is the seller’s equity. You take over the $544,815 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $98,190.31 is due at closing. Uses and sources reconcile at $643,005.24 each. Not a Closing Disclosure.