Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$50,196Cash toward the purchase price.
Closing costs + prepaids$14,547Not just lender fees.
Before credits & paid funds$64,743The complete starting cash picture.
Estimated remaining funds due at closing
$64,743No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,195.93
Your down payment$50,195.93
Closing costs + prepaids$14,546.64
Total buyer cash needed$64,742.57
Remaining funds due$64,742.57
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
Initial HOA (3 months)$105.00
Prepaid interest, first (6 days)$697.89
Fees + prepaids$14,546.64
Your down payment is the seller’s equity. You take over the $598,804 balance, so the rest of the $649,000 price is paid at closing. A second mortgage can cover part of it. $64,742.57 is due at closing. Uses and sources reconcile at $663,546.64 each. Not a Closing Disclosure.