Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$92,639Cash toward the purchase price.
Closing costs + prepaids$14,728Not just lender fees.
Before credits & paid funds$107,366The complete starting cash picture.
Estimated remaining funds due at closing
$107,366No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$92,638.56
Your down payment$92,638.56
Closing costs + prepaids$14,727.66
Total buyer cash needed$107,366.22
Remaining funds due$107,366.22
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,080.00
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)$760.00
Prepaid interest, first (15 days)$1,412.66
Fees + prepaids$14,727.66
Your down payment is the seller’s equity. You take over the $515,361 balance, so the rest of the $608,000 price is paid at closing. A second mortgage can cover part of it. $107,366.22 is due at closing. Uses and sources reconcile at $622,727.66 each. Not a Closing Disclosure.