Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$54,695Cash toward the purchase price.
Closing costs + prepaids$17,829Not just lender fees.
Before credits & paid funds$72,524The complete starting cash picture.
Estimated remaining funds due at closing
$72,524No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$54,694.64
Your down payment$54,694.64
Closing costs + prepaids$17,828.98
Total buyer cash needed$72,523.62
Remaining funds due$72,523.62
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,498.80
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)$1,624.75
Initial HOA (3 months)$285.00
Prepaid interest, first (27 days)$2,945.43
Fees + prepaids$17,828.98
Your down payment is the seller’s equity. You take over the $595,185 balance, so the rest of the $649,880 price is paid at closing. A second mortgage can cover part of it. $72,523.62 is due at closing. Uses and sources reconcile at $667,708.98 each. Not a Closing Disclosure.