Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$45,107Cash toward the purchase price.
Closing costs + prepaids$17,506Not just lender fees.
Before credits & paid funds$62,612The complete starting cash picture.
Estimated remaining funds due at closing
$62,612No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,106.87
Your down payment$45,106.87
Closing costs + prepaids$17,505.62
Total buyer cash needed$62,612.48
Remaining funds due$62,612.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,348.95
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)$1,587.25
Initial HOA (3 months)$309.00
Prepaid interest, first (26 days)$2,785.42
Fees + prepaids$17,505.62
Your down payment is the seller’s equity. You take over the $589,788 balance, so the rest of the $634,895 price is paid at closing. A second mortgage can cover part of it. $62,612.48 is due at closing. Uses and sources reconcile at $652,400.62 each. Not a Closing Disclosure.