Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$46,543Cash toward the purchase price.
Closing costs + prepaids$17,268Not just lender fees.
Before credits & paid funds$63,811The complete starting cash picture.
Estimated remaining funds due at closing
$63,811No 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$17,267.63
Total buyer cash needed$63,810.54
Remaining funds due$63,810.54
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)$1,771.50
Initial HOA (3 months)$285.00
Prepaid interest, first (24 days)$2,436.13
Fees + prepaids$17,267.63
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. $63,810.54 is due at closing. Uses and sources reconcile at $647,267.63 each. Not a Closing Disclosure.