Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$21,538Cash toward the purchase price.
Closing costs + prepaids$16,852Not just lender fees.
Before credits & paid funds$38,390The complete starting cash picture.
Estimated remaining funds due at closing
$38,390No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,538.10
Your down payment$21,538.10
Closing costs + prepaids$16,852.16
Total buyer cash needed$38,390.26
Remaining funds due$38,390.26
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,900.00
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)$1,924.75
Initial HOA (3 months)$113.01
Prepaid interest, first (23 days)$2,439.40
Fees + prepaids$16,852.16
Your down payment is the seller’s equity. You take over the $568,462 balance, so the rest of the $590,000 price is paid at closing. A second mortgage can cover part of it. $38,390.26 is due at closing. Uses and sources reconcile at $606,852.16 each. Not a Closing Disclosure.