Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$109,728Cash toward the purchase price.
Closing costs + prepaids$17,912Not just lender fees.
Before credits & paid funds$127,639The complete starting cash picture.
Estimated remaining funds due at closing
$127,639No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$109,727.54
Your down payment$109,727.54
Closing costs + prepaids$17,911.65
Total buyer cash needed$127,639.19
Remaining funds due$127,639.19
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)$2,738.75
Prepaid interest, first (30 days)$2,447.90
Fees + prepaids$17,911.65
Your down payment is the seller’s equity. You take over the $515,272 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $127,639.19 is due at closing. Uses and sources reconcile at $642,911.65 each. Not a Closing Disclosure.