Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$41,116Cash toward the purchase price.
Closing costs + prepaids$17,741Not just lender fees.
Before credits & paid funds$58,857The complete starting cash picture.
Estimated remaining funds due at closing
$58,857No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$41,116.10
Your down payment$41,116.10
Closing costs + prepaids$17,740.64
Total buyer cash needed$58,856.74
Remaining funds due$58,856.74
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,590.00
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)$1,647.50
Prepaid interest, first (26 days)$3,028.14
Fees + prepaids$17,740.64
Your down payment is the seller’s equity. You take over the $617,884 balance, so the rest of the $659,000 price is paid at closing. A second mortgage can cover part of it. $58,856.74 is due at closing. Uses and sources reconcile at $676,740.64 each. Not a Closing Disclosure.