Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$41,886Cash toward the purchase price.
Closing costs + prepaids$15,521Not just lender fees.
Before credits & paid funds$57,407The complete starting cash picture.
Estimated remaining funds due at closing
$57,407No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$41,886.18
Your down payment$41,886.18
Closing costs + prepaids$15,520.59
Total buyer cash needed$57,406.77
Remaining funds due$57,406.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,490.00
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)$236.25
Prepaid interest, first (21 days)$2,319.34
Fees + prepaids$15,520.59
Your down payment is the seller’s equity. You take over the $607,114 balance, so the rest of the $649,000 price is paid at closing. A second mortgage can cover part of it. $57,406.77 is due at closing. Uses and sources reconcile at $664,520.59 each. Not a Closing Disclosure.