Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$108,538Cash toward the purchase price.
Closing costs + prepaids$15,159Not just lender fees.
Before credits & paid funds$123,697The complete starting cash picture.
Estimated remaining funds due at closing
$123,697No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$108,537.67
Your down payment$108,537.67
Closing costs + prepaids$15,158.88
Total buyer cash needed$123,696.55
Remaining funds due$123,696.55
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)$781.25
Initial HOA (3 months)$291.00
Prepaid interest, first (14 days)$1,362.63
Fees + prepaids$15,158.88
Your down payment is the seller’s equity. You take over the $516,362 balance, so the rest of the $624,900 price is paid at closing. A second mortgage can cover part of it. $123,696.55 is due at closing. Uses and sources reconcile at $640,058.88 each. Not a Closing Disclosure.