Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$63,382Cash toward the purchase price.
Closing costs + prepaids$18,073Not just lender fees.
Before credits & paid funds$81,455The complete starting cash picture.
Estimated remaining funds due at closing
$81,455No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$63,382.26
Your down payment$63,382.26
Closing costs + prepaids$18,072.75
Total buyer cash needed$81,455.01
Remaining funds due$81,455.01
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,499.99
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)$1,625.00
Initial HOA (3 months)$792.00
Prepaid interest, first (24 days)$2,680.76
Fees + prepaids$18,072.75
Your down payment is the seller’s equity. You take over the $586,617 balance, so the rest of the $649,999 price is paid at closing. A second mortgage can cover part of it. $81,455.01 is due at closing. Uses and sources reconcile at $668,071.75 each. Not a Closing Disclosure.