Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$48,227Cash toward the purchase price.
Closing costs + prepaids$18,000Not just lender fees.
Before credits & paid funds$66,227The complete starting cash picture.
Estimated remaining funds due at closing
$66,227No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,227.42
Your down payment$48,227.42
Closing costs + prepaids$17,999.80
Total buyer cash needed$66,227.22
Remaining funds due$66,227.22
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)$2,094.25
Prepaid interest, first (26 days)$2,931.55
Fees + prepaids$17,999.80
Your down payment is the seller’s equity. You take over the $601,673 balance, so the rest of the $649,900 price is paid at closing. A second mortgage can cover part of it. $66,227.22 is due at closing. Uses and sources reconcile at $667,899.80 each. Not a Closing Disclosure.