Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$53,498Cash toward the purchase price.
Closing costs + prepaids$17,306Not just lender fees.
Before credits & paid funds$70,804The complete starting cash picture.
Estimated remaining funds due at closing
$70,804No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,497.94
Your down payment$53,497.94
Closing costs + prepaids$17,305.83
Total buyer cash needed$70,803.77
Remaining funds due$70,803.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,399.00
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)$1,599.75
Prepaid interest, first (26 days)$2,832.08
Fees + prepaids$17,305.83
Your down payment is the seller’s equity. You take over the $586,402 balance, so the rest of the $639,900 price is paid at closing. A second mortgage can cover part of it. $70,803.77 is due at closing. Uses and sources reconcile at $657,205.83 each. Not a Closing Disclosure.