Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$64,770Cash toward the purchase price.
Closing costs + prepaids$17,391Not just lender fees.
Before credits & paid funds$82,161The complete starting cash picture.
Estimated remaining funds due at closing
$82,161No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$64,769.74
Your down payment$64,769.74
Closing costs + prepaids$17,391.12
Total buyer cash needed$82,160.86
Remaining funds due$82,160.86
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,450.00
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)$1,612.50
Prepaid interest, first (29 days)$2,853.62
Fees + prepaids$17,391.12
Your down payment is the seller’s equity. You take over the $580,230 balance, so the rest of the $645,000 price is paid at closing. A second mortgage can cover part of it. $82,160.86 is due at closing. Uses and sources reconcile at $662,391.12 each. Not a Closing Disclosure.