Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$25,621Cash toward the purchase price.
Closing costs + prepaids$16,408Not just lender fees.
Before credits & paid funds$42,029The complete starting cash picture.
Estimated remaining funds due at closing
$42,029No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,621.45
Your down payment$25,621.45
Closing costs + prepaids$16,407.89
Total buyer cash needed$42,029.34
Remaining funds due$42,029.34
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,999.00
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)$1,230.50
Initial HOA (3 months)$366.00
Prepaid interest, first (24 days)$2,337.39
Fees + prepaids$16,407.89
Your down payment is the seller’s equity. You take over the $574,279 balance, so the rest of the $599,900 price is paid at closing. A second mortgage can cover part of it. $42,029.34 is due at closing. Uses and sources reconcile at $616,307.89 each. Not a Closing Disclosure.