Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$72,495Cash toward the purchase price.
Closing costs + prepaids$17,350Not just lender fees.
Before credits & paid funds$89,845The complete starting cash picture.
Estimated remaining funds due at closing
$89,845No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$72,494.83
Your down payment$72,494.83
Closing costs + prepaids$17,350.22
Total buyer cash needed$89,845.05
Remaining funds due$89,845.05
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)$1,575.25
Prepaid interest, first (26 days)$2,800.97
Fees + prepaids$17,350.22
Your down payment is the seller’s equity. You take over the $577,405 balance, so the rest of the $649,900 price is paid at closing. A second mortgage can cover part of it. $89,845.05 is due at closing. Uses and sources reconcile at $667,250.22 each. Not a Closing Disclosure.