Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$36,648Cash toward the purchase price.
Closing costs + prepaids$17,165Not just lender fees.
Before credits & paid funds$53,813The complete starting cash picture.
Estimated remaining funds due at closing
$53,813No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,647.90
Your down payment$36,647.90
Closing costs + prepaids$17,165.18
Total buyer cash needed$53,813.08
Remaining funds due$53,813.08
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,250.00
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)$1,562.50
Initial HOA (3 months)$120.00
Prepaid interest, first (28 days)$2,757.68
Fees + prepaids$17,165.18
Your down payment is the seller’s equity. You take over the $588,352 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $53,813.08 is due at closing. Uses and sources reconcile at $642,165.18 each. Not a Closing Disclosure.