Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$56,132Cash toward the purchase price.
Closing costs + prepaids$16,045Not just lender fees.
Before credits & paid funds$72,177The complete starting cash picture.
Estimated remaining funds due at closing
$72,177No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$56,132.40
Your down payment$56,132.40
Closing costs + prepaids$16,044.67
Total buyer cash needed$72,177.07
Remaining funds due$72,177.07
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)$800.25
Initial HOA (3 months)$125.01
Prepaid interest, first (23 days)$2,454.41
Fees + prepaids$16,044.67
Your down payment is the seller’s equity. You take over the $562,868 balance, so the rest of the $619,000 price is paid at closing. A second mortgage can cover part of it. $72,177.07 is due at closing. Uses and sources reconcile at $635,044.67 each. Not a Closing Disclosure.