Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$45,040Cash toward the purchase price.
Closing costs + prepaids$15,499Not just lender fees.
Before credits & paid funds$60,539The complete starting cash picture.
Estimated remaining funds due at closing
$60,539No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,040.18
Your down payment$45,040.18
Closing costs + prepaids$15,498.56
Total buyer cash needed$60,538.74
Remaining funds due$60,538.74
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,449.00
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)$2,037.25
Initial HOA (3 months)$300.00
Prepaid interest, first (2 days)$237.31
Fees + prepaids$15,498.56
Your down payment is the seller’s equity. You take over the $599,860 balance, so the rest of the $644,900 price is paid at closing. A second mortgage can cover part of it. $60,538.74 is due at closing. Uses and sources reconcile at $660,398.56 each. Not a Closing Disclosure.