Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$41,886Cash toward the purchase price.
Closing costs + prepaids$15,300Not just lender fees.
Before credits & paid funds$57,186The complete starting cash picture.
Estimated remaining funds due at closing
$57,186No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$41,886.18
Your down payment$41,886.18
Closing costs + prepaids$15,299.70
Total buyer cash needed$57,185.88
Remaining funds due$57,185.88
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,490.00
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)$236.25
Prepaid interest, first (19 days)$2,098.45
Fees + prepaids$15,299.70
Your down payment is the seller’s equity. You take over the $607,114 balance, so the rest of the $649,000 price is paid at closing. A second mortgage can cover part of it. $57,185.88 is due at closing. Uses and sources reconcile at $664,299.70 each. Not a Closing Disclosure.