Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$85,261Cash toward the purchase price.
Closing costs + prepaids$14,087Not just lender fees.
Before credits & paid funds$99,348The complete starting cash picture.
Estimated remaining funds due at closing
$99,348No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$85,260.81
Your down payment$85,260.81
Closing costs + prepaids$14,087.34
Total buyer cash needed$99,348.14
Remaining funds due$99,348.14
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,249.00
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)$750.00
Initial HOA (3 months)$56.25
Prepaid interest, first (6 days)$557.09
Fees + prepaids$14,087.34
Your down payment is the seller’s equity. You take over the $539,639 balance, so the rest of the $624,900 price is paid at closing. A second mortgage can cover part of it. $99,348.14 is due at closing. Uses and sources reconcile at $638,987.34 each. Not a Closing Disclosure.