Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$41,232Cash toward the purchase price.
Closing costs + prepaids$13,422Not just lender fees.
Before credits & paid funds$54,655The complete starting cash picture.
Estimated remaining funds due at closing
$54,655No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$41,232.39
Your down payment$41,232.39
Closing costs + prepaids$13,422.38
Total buyer cash needed$54,654.76
Remaining funds due$54,654.76
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)$236.25
Prepaid interest, first (2 days)$221.13
Fees + prepaids$13,422.38
Your down payment is the seller’s equity. You take over the $607,768 balance, so the rest of the $649,000 price is paid at closing. A second mortgage can cover part of it. $54,654.76 is due at closing. Uses and sources reconcile at $662,422.38 each. Not a Closing Disclosure.