Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$22,041Cash toward the purchase price.
Closing costs + prepaids$16,583Not just lender fees.
Before credits & paid funds$38,624The complete starting cash picture.
Estimated remaining funds due at closing
$38,624No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,040.57
Your down payment$22,040.57
Closing costs + prepaids$16,583.10
Total buyer cash needed$38,623.67
Remaining funds due$38,623.67
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,190.00
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)$768.75
Initial HOA (3 months)$246.00
Prepaid interest, first (28 days)$2,903.35
Fees + prepaids$16,583.10
Your down payment is the seller’s equity. You take over the $596,959 balance, so the rest of the $619,000 price is paid at closing. A second mortgage can cover part of it. $38,623.67 is due at closing. Uses and sources reconcile at $635,583.10 each. Not a Closing Disclosure.