Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$23,143Cash toward the purchase price.
Closing costs + prepaids$16,640Not just lender fees.
Before credits & paid funds$39,784The complete starting cash picture.
Estimated remaining funds due at closing
$39,784No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,143.43
Your down payment$23,143.43
Closing costs + prepaids$16,640.44
Total buyer cash needed$39,783.87
Remaining funds due$39,783.87
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,990.00
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)$1,605.75
Initial HOA (3 months)$135.00
Prepaid interest, first (24 days)$2,434.69
Fees + prepaids$16,640.44
Your down payment is the seller’s equity. You take over the $575,857 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $39,783.87 is due at closing. Uses and sources reconcile at $615,640.44 each. Not a Closing Disclosure.