Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$81,779Cash toward the purchase price.
Closing costs + prepaids$15,395Not just lender fees.
Before credits & paid funds$97,173The complete starting cash picture.
Estimated remaining funds due at closing
$97,173No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$81,778.56
Your down payment$81,778.56
Closing costs + prepaids$15,394.80
Total buyer cash needed$97,173.36
Remaining funds due$97,173.36
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,390.00
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)$798.75
Prepaid interest, first (17 days)$1,731.05
Fees + prepaids$15,394.80
Your down payment is the seller’s equity. You take over the $557,221 balance, so the rest of the $639,000 price is paid at closing. A second mortgage can cover part of it. $97,173.36 is due at closing. Uses and sources reconcile at $654,394.80 each. Not a Closing Disclosure.