Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$90,491Cash toward the purchase price.
Closing costs + prepaids$17,619Not just lender fees.
Before credits & paid funds$108,110The complete starting cash picture.
Estimated remaining funds due at closing
$108,110No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$90,491.08
Your down payment$90,491.08
Closing costs + prepaids$17,619.19
Total buyer cash needed$108,110.27
Remaining funds due$108,110.27
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,150.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$893.75
Initial HOA (3 months)$210.00
Prepaid interest, first (18 days)$2,140.44
Fees + prepaids$17,619.19
Your down payment is the seller’s equity. You take over the $624,509 balance, so the rest of the $715,000 price is paid at closing. A second mortgage can cover part of it. $108,110.27 is due at closing. Uses and sources reconcile at $732,619.19 each. Not a Closing Disclosure.