Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$84,573Cash toward the purchase price.
Closing costs + prepaids$15,482Not just lender fees.
Before credits & paid funds$100,055The complete starting cash picture.
Estimated remaining funds due at closing
$100,055No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$84,572.64
Your down payment$84,572.64
Closing costs + prepaids$15,482.48
Total buyer cash needed$100,055.12
Remaining funds due$100,055.12
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,549.00
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)$818.75
Initial HOA (3 months)$135.00
Prepaid interest, first (15 days)$1,504.73
Fees + prepaids$15,482.48
Your down payment is the seller’s equity. You take over the $570,327 balance, so the rest of the $654,900 price is paid at closing. A second mortgage can cover part of it. $100,055.12 is due at closing. Uses and sources reconcile at $670,382.48 each. Not a Closing Disclosure.