Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$48,966Cash toward the purchase price.
Closing costs + prepaids$15,742Not just lender fees.
Before credits & paid funds$64,708The complete starting cash picture.
Estimated remaining funds due at closing
$64,708No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,965.90
Your down payment$48,965.90
Closing costs + prepaids$15,742.19
Total buyer cash needed$64,708.09
Remaining funds due$64,708.09
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,450.00
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)$806.25
Initial HOA (3 months)$126.00
Prepaid interest, first (17 days)$1,884.94
Fees + prepaids$15,742.19
Your down payment is the seller’s equity. You take over the $596,034 balance, so the rest of the $645,000 price is paid at closing. A second mortgage can cover part of it. $64,708.09 is due at closing. Uses and sources reconcile at $660,742.19 each. Not a Closing Disclosure.