Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$70,824Cash toward the purchase price.
Closing costs + prepaids$15,249Not just lender fees.
Before credits & paid funds$86,073The complete starting cash picture.
Estimated remaining funds due at closing
$86,073No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$70,823.54
Your down payment$70,823.54
Closing costs + prepaids$15,249.14
Total buyer cash needed$86,072.68
Remaining funds due$86,072.68
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,380.00
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)$797.50
Prepaid interest, first (15 days)$1,596.64
Fees + prepaids$15,249.14
Your down payment is the seller’s equity. You take over the $567,176 balance, so the rest of the $638,000 price is paid at closing. A second mortgage can cover part of it. $86,072.68 is due at closing. Uses and sources reconcile at $653,249.14 each. Not a Closing Disclosure.