Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$65,019Cash toward the purchase price.
Closing costs + prepaids$16,585Not just lender fees.
Before credits & paid funds$81,604The complete starting cash picture.
Estimated remaining funds due at closing
$81,604No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$65,018.64
Your down payment$65,018.64
Closing costs + prepaids$16,584.98
Total buyer cash needed$81,603.62
Remaining funds due$81,603.62
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,150.00
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)$1,537.50
Prepaid interest, first (23 days)$2,422.48
Fees + prepaids$16,584.98
Your down payment is the seller’s equity. You take over the $549,981 balance, so the rest of the $615,000 price is paid at closing. A second mortgage can cover part of it. $81,603.62 is due at closing. Uses and sources reconcile at $631,584.98 each. Not a Closing Disclosure.