Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$44,164Cash toward the purchase price.
Closing costs + prepaids$16,608Not just lender fees.
Before credits & paid funds$60,772The complete starting cash picture.
Estimated remaining funds due at closing
$60,772No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,164.10
Your down payment$44,164.10
Closing costs + prepaids$16,607.72
Total buyer cash needed$60,771.82
Remaining funds due$60,771.82
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,500.00
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)$1,625.00
Prepaid interest, first (18 days)$2,007.72
Fees + prepaids$16,607.72
Your down payment is the seller’s equity. You take over the $605,836 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $60,771.82 is due at closing. Uses and sources reconcile at $666,607.72 each. Not a Closing Disclosure.