Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$45,849Cash toward the purchase price.
Closing costs + prepaids$14,948Not just lender fees.
Before credits & paid funds$60,798The complete starting cash picture.
Estimated remaining funds due at closing
$60,798No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,849.37
Your down payment$45,849.37
Closing costs + prepaids$14,948.47
Total buyer cash needed$60,797.84
Remaining funds due$60,797.84
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,690.00
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)$1,672.50
Prepaid interest, first (1 days)$110.97
Fees + prepaids$14,948.47
Your down payment is the seller’s equity. You take over the $623,151 balance, so the rest of the $669,000 price is paid at closing. A second mortgage can cover part of it. $60,797.84 is due at closing. Uses and sources reconcile at $683,948.47 each. Not a Closing Disclosure.