Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$46,008Cash toward the purchase price.
Closing costs + prepaids$14,848Not just lender fees.
Before credits & paid funds$60,856The complete starting cash picture.
Estimated remaining funds due at closing
$60,856No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$46,007.92
Your down payment$46,007.92
Closing costs + prepaids$14,847.85
Total buyer cash needed$60,855.77
Remaining funds due$60,855.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,100.00
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)$732.00
Initial HOA (3 months)$267.00
Prepaid interest, first (12 days)$1,273.85
Fees + prepaids$14,847.85
Your down payment is the seller’s equity. You take over the $563,992 balance, so the rest of the $610,000 price is paid at closing. A second mortgage can cover part of it. $60,855.77 is due at closing. Uses and sources reconcile at $624,847.85 each. Not a Closing Disclosure.