Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$48,963Cash toward the purchase price.
Closing costs + prepaids$15,215Not just lender fees.
Before credits & paid funds$64,178The complete starting cash picture.
Estimated remaining funds due at closing
$64,178No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,963.38
Your down payment$48,963.38
Closing costs + prepaids$15,214.71
Total buyer cash needed$64,178.08
Remaining funds due$64,178.08
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,980.00
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)$694.50
Initial HOA (3 months)$294.00
Prepaid interest, first (25 days)$1,771.21
Fees + prepaids$15,214.71
Your down payment is the seller’s equity. You take over the $549,037 balance, so the rest of the $598,000 price is paid at closing. A second mortgage can cover part of it. $64,178.08 is due at closing. Uses and sources reconcile at $613,214.71 each. Not a Closing Disclosure.