Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$41,886Cash toward the purchase price.
Closing costs + prepaids$16,183Not just lender fees.
Before credits & paid funds$58,069The complete starting cash picture.
Estimated remaining funds due at closing
$58,069No 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$16,183.26
Total buyer cash needed$58,069.44
Remaining funds due$58,069.44
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 (27 days)$2,982.01
Fees + prepaids$16,183.26
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. $58,069.44 is due at closing. Uses and sources reconcile at $665,183.26 each. Not a Closing Disclosure.