Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$81,859Cash toward the purchase price.
Closing costs + prepaids$16,047Not just lender fees.
Before credits & paid funds$97,906The complete starting cash picture.
Estimated remaining funds due at closing
$97,906No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$81,858.79
Your down payment$81,858.79
Closing costs + prepaids$16,046.95
Total buyer cash needed$97,905.73
Remaining funds due$97,905.73
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,090.00
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)$1,605.00
Initial HOA (3 months)$234.00
Prepaid interest, first (18 days)$1,642.95
Fees + prepaids$16,046.95
Your down payment is the seller’s equity. You take over the $527,141 balance, so the rest of the $609,000 price is paid at closing. A second mortgage can cover part of it. $97,905.73 is due at closing. Uses and sources reconcile at $625,046.95 each. Not a Closing Disclosure.