Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$94,669Cash toward the purchase price.
Closing costs + prepaids$14,060Not just lender fees.
Before credits & paid funds$108,728The complete starting cash picture.
Estimated remaining funds due at closing
$108,728No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$94,668.85
Your down payment$94,668.85
Closing costs + prepaids$14,059.55
Total buyer cash needed$108,728.40
Remaining funds due$108,728.40
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,250.00
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)$24.00
Prepaid interest, first (6 days)$560.55
Fees + prepaids$14,059.55
Your down payment is the seller’s equity. You take over the $530,331 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $108,728.40 is due at closing. Uses and sources reconcile at $639,059.55 each. Not a Closing Disclosure.