Follow the dollars · Assumption only
A complete cash picture for Dec 25, 2026
Your down payment$51,808Cash toward the purchase price.
Closing costs + prepaids$14,168Not just lender fees.
Before credits & paid funds$65,975The complete starting cash picture.
Estimated remaining funds due at closing
$65,975No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,807.53
Your down payment$51,807.53
Closing costs + prepaids$14,167.61
Total buyer cash needed$65,975.14
Remaining funds due$65,975.14
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,200.00
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)$744.00
Prepaid interest, first (7 days)$748.61
Fees + prepaids$14,167.61
Your down payment is the seller’s equity. You take over the $568,192 balance, so the rest of the $620,000 price is paid at closing. A second mortgage can cover part of it. $65,975.14 is due at closing. Uses and sources reconcile at $634,167.61 each. Not a Closing Disclosure.