Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$46,543Cash toward the purchase price.
Closing costs + prepaids$15,034Not just lender fees.
Before credits & paid funds$61,577The complete starting cash picture.
Estimated remaining funds due at closing
$61,577No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$46,542.91
Your down payment$46,542.91
Closing costs + prepaids$15,034.07
Total buyer cash needed$61,576.98
Remaining funds due$61,576.98
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,300.00
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)$756.00
Initial HOA (3 months)$285.00
Prepaid interest, first (12 days)$1,218.07
Fees + prepaids$15,034.07
Your down payment is the seller’s equity. You take over the $583,457 balance, so the rest of the $630,000 price is paid at closing. A second mortgage can cover part of it. $61,576.98 is due at closing. Uses and sources reconcile at $645,034.07 each. Not a Closing Disclosure.