Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$45,611Cash toward the purchase price.
Closing costs + prepaids$17,688Not just lender fees.
Before credits & paid funds$63,298The complete starting cash picture.
Estimated remaining funds due at closing
$63,298No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,610.63
Your down payment$45,610.63
Closing costs + prepaids$17,687.77
Total buyer cash needed$63,298.40
Remaining funds due$63,298.40
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,449.00
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)$2,037.25
Prepaid interest, first (23 days)$2,726.52
Fees + prepaids$17,687.77
Your down payment is the seller’s equity. You take over the $599,289 balance, so the rest of the $644,900 price is paid at closing. A second mortgage can cover part of it. $63,298.40 is due at closing. Uses and sources reconcile at $662,587.77 each. Not a Closing Disclosure.