Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$59,590Cash toward the purchase price.
Closing costs + prepaids$16,742Not just lender fees.
Before credits & paid funds$76,331The complete starting cash picture.
Estimated remaining funds due at closing
$76,331No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$59,589.70
Your down payment$59,589.70
Closing costs + prepaids$16,741.78
Total buyer cash needed$76,331.48
Remaining funds due$76,331.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,200.00
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)$1,550.00
Prepaid interest, first (24 days)$2,516.78
Fees + prepaids$16,741.78
Your down payment is the seller’s equity. You take over the $560,410 balance, so the rest of the $620,000 price is paid at closing. A second mortgage can cover part of it. $76,331.48 is due at closing. Uses and sources reconcile at $636,741.78 each. Not a Closing Disclosure.