Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$47,110Cash toward the purchase price.
Closing costs + prepaids$16,342Not just lender fees.
Before credits & paid funds$63,452The complete starting cash picture.
Estimated remaining funds due at closing
$63,452No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$47,110.12
Your down payment$47,110.12
Closing costs + prepaids$16,341.95
Total buyer cash needed$63,452.06
Remaining funds due$63,452.06
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,799.00
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)$716.50
Initial HOA (3 months)$270.00
Prepaid interest, first (18 days)$2,081.45
Fees + prepaids$16,341.95
Your down payment is the seller’s equity. You take over the $632,790 balance, so the rest of the $679,900 price is paid at closing. A second mortgage can cover part of it. $63,452.06 is due at closing. Uses and sources reconcile at $696,241.95 each. Not a Closing Disclosure.