Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$59,062Cash toward the purchase price.
Closing costs + prepaids$14,435Not just lender fees.
Before credits & paid funds$73,497The complete starting cash picture.
Estimated remaining funds due at closing
$73,497No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$59,061.58
Your down payment$59,061.58
Closing costs + prepaids$14,434.93
Total buyer cash needed$73,496.51
Remaining funds due$73,496.51
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)$1,550.00
Prepaid interest, first (2 days)$209.93
Fees + prepaids$14,434.93
Your down payment is the seller’s equity. You take over the $560,938 balance, so the rest of the $620,000 price is paid at closing. A second mortgage can cover part of it. $73,496.51 is due at closing. Uses and sources reconcile at $634,434.93 each. Not a Closing Disclosure.