Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$42,697Cash toward the purchase price.
Closing costs + prepaids$14,377Not just lender fees.
Before credits & paid funds$57,074The complete starting cash picture.
Estimated remaining funds due at closing
$57,074No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$42,697.37
Your down payment$42,697.37
Closing costs + prepaids$14,376.63
Total buyer cash needed$57,074.00
Remaining funds due$57,074.00
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)$778.75
Prepaid interest, first (6 days)$632.88
Fees + prepaids$14,376.63
Your down payment is the seller’s equity. You take over the $606,303 balance, so the rest of the $649,000 price is paid at closing. A second mortgage can cover part of it. $57,074.00 is due at closing. Uses and sources reconcile at $663,376.63 each. Not a Closing Disclosure.