Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$49,565Cash toward the purchase price.
Closing costs + prepaids$17,663Not just lender fees.
Before credits & paid funds$67,228The complete starting cash picture.
Estimated remaining funds due at closing
$67,228No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$49,564.94
Your down payment$49,564.94
Closing costs + prepaids$17,663.03
Total buyer cash needed$67,227.96
Remaining funds due$67,227.96
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
Prepaid interest, first (28 days)$3,063.04
Fees + prepaids$17,663.03
Your down payment is the seller’s equity. You take over the $600,434 balance, so the rest of the $649,999 price is paid at closing. A second mortgage can cover part of it. $67,227.96 is due at closing. Uses and sources reconcile at $667,662.03 each. Not a Closing Disclosure.