Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$48,227Cash toward the purchase price.
Closing costs + prepaids$15,107Not just lender fees.
Before credits & paid funds$63,334The complete starting cash picture.
Estimated remaining funds due at closing
$63,334No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,227.42
Your down payment$48,227.42
Closing costs + prepaids$15,107.02
Total buyer cash needed$63,334.45
Remaining funds due$63,334.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,499.00
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)$780.00
Prepaid interest, first (12 days)$1,353.02
Fees + prepaids$15,107.02
Your down payment is the seller’s equity. You take over the $601,673 balance, so the rest of the $649,900 price is paid at closing. A second mortgage can cover part of it. $63,334.45 is due at closing. Uses and sources reconcile at $665,007.02 each. Not a Closing Disclosure.