Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$46,008Cash toward the purchase price.
Closing costs + prepaids$17,725Not just lender fees.
Before credits & paid funds$63,733The complete starting cash picture.
Estimated remaining funds due at closing
$63,733No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$46,007.92
Your down payment$46,007.92
Closing costs + prepaids$17,725.03
Total buyer cash needed$63,732.95
Remaining funds due$63,732.95
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,100.00
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)$1,592.25
Initial HOA (3 months)$267.00
Prepaid interest, first (31 days)$3,290.78
Fees + prepaids$17,725.03
Your down payment is the seller’s equity. You take over the $563,992 balance, so the rest of the $610,000 price is paid at closing. A second mortgage can cover part of it. $63,732.95 is due at closing. Uses and sources reconcile at $627,725.03 each. Not a Closing Disclosure.