Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$66,551Cash toward the purchase price.
Closing costs + prepaids$19,875Not just lender fees.
Before credits & paid funds$86,426The complete starting cash picture.
Estimated remaining funds due at closing
$86,426No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$66,550.99
Your down payment$66,550.99
Closing costs + prepaids$19,875.38
Total buyer cash needed$86,426.37
Remaining funds due$86,426.37
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,749.50
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)$1,687.50
Initial HOA (3 months)$1,398.00
Prepaid interest, first (31 days)$3,565.38
Fees + prepaids$19,875.38
Your down payment is the seller’s equity. You take over the $608,399 balance, so the rest of the $674,950 price is paid at closing. A second mortgage can cover part of it. $86,426.37 is due at closing. Uses and sources reconcile at $694,825.38 each. Not a Closing Disclosure.