Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$29,678Cash toward the purchase price.
Closing costs + prepaids$14,072Not just lender fees.
Before credits & paid funds$43,750The complete starting cash picture.
Estimated remaining funds due at closing
$43,750No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,677.85
Your down payment$29,677.85
Closing costs + prepaids$14,072.11
Total buyer cash needed$43,749.95
Remaining funds due$43,749.95
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,390.00
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)$986.75
Prepaid interest, first (2 days)$220.36
Fees + prepaids$14,072.11
Your down payment is the seller’s equity. You take over the $609,322 balance, so the rest of the $639,000 price is paid at closing. A second mortgage can cover part of it. $43,749.95 is due at closing. Uses and sources reconcile at $653,072.11 each. Not a Closing Disclosure.