Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$52,666Cash toward the purchase price.
Closing costs + prepaids$14,956Not just lender fees.
Before credits & paid funds$67,623The complete starting cash picture.
Estimated remaining funds due at closing
$67,623No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,666.21
Your down payment$52,666.21
Closing costs + prepaids$14,956.37
Total buyer cash needed$67,622.58
Remaining funds due$67,622.58
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,250.00
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)$781.25
Prepaid interest, first (16 days)$1,450.12
Fees + prepaids$14,956.37
Your down payment is the seller’s equity. You take over the $572,334 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $67,622.58 is due at closing. Uses and sources reconcile at $639,956.37 each. Not a Closing Disclosure.