Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$48,752Cash toward the purchase price.
Closing costs + prepaids$15,796Not just lender fees.
Before credits & paid funds$64,548The complete starting cash picture.
Estimated remaining funds due at closing
$64,548No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,751.79
Your down payment$48,751.79
Closing costs + prepaids$15,796.27
Total buyer cash needed$64,548.05
Remaining funds due$64,548.05
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)$624.75
Initial HOA (3 months)$62.49
Prepaid interest, first (24 days)$2,235.03
Fees + prepaids$15,796.27
Your down payment is the seller’s equity. You take over the $591,148 balance, so the rest of the $639,900 price is paid at closing. A second mortgage can cover part of it. $64,548.05 is due at closing. Uses and sources reconcile at $655,696.27 each. Not a Closing Disclosure.