Follow the dollars · Assumption only
A complete cash picture for Dec 25, 2026
Your down payment$104,631Cash toward the purchase price.
Closing costs + prepaids$14,726Not just lender fees.
Before credits & paid funds$119,357The complete starting cash picture.
Estimated remaining funds due at closing
$119,357No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$104,631.01
Your down payment$104,631.01
Closing costs + prepaids$14,726.32
Total buyer cash needed$119,357.33
Remaining funds due$119,357.33
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,750.00
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)$810.00
Prepaid interest, first (7 days)$691.32
Fees + prepaids$14,726.32
Your down payment is the seller’s equity. You take over the $570,369 balance, so the rest of the $675,000 price is paid at closing. A second mortgage can cover part of it. $119,357.33 is due at closing. Uses and sources reconcile at $689,726.32 each. Not a Closing Disclosure.