Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$99,090Cash toward the purchase price.
Closing costs + prepaids$15,539Not just lender fees.
Before credits & paid funds$114,629The complete starting cash picture.
Estimated remaining funds due at closing
$114,629No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$99,090.29
Your down payment$99,090.29
Closing costs + prepaids$15,538.89
Total buyer cash needed$114,629.18
Remaining funds due$114,629.18
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,790.00
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)$1,697.50
Initial HOA (3 months)$360.00
Prepaid interest, first (2 days)$216.39
Fees + prepaids$15,538.89
Your down payment is the seller’s equity. You take over the $579,910 balance, so the rest of the $679,000 price is paid at closing. A second mortgage can cover part of it. $114,629.18 is due at closing. Uses and sources reconcile at $694,538.89 each. Not a Closing Disclosure.