Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$26,339Cash toward the purchase price.
Closing costs + prepaids$18,027Not just lender fees.
Before credits & paid funds$44,366The complete starting cash picture.
Estimated remaining funds due at closing
$44,366No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,338.96
Your down payment$26,338.96
Closing costs + prepaids$18,027.14
Total buyer cash needed$44,366.10
Remaining funds due$44,366.10
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,499.00
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)$1,624.75
Prepaid interest, first (29 days)$3,428.39
Fees + prepaids$18,027.14
Your down payment is the seller’s equity. You take over the $623,561 balance, so the rest of the $649,900 price is paid at closing. A second mortgage can cover part of it. $44,366.10 is due at closing. Uses and sources reconcile at $667,927.14 each. Not a Closing Disclosure.