Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$53,192Cash toward the purchase price.
Closing costs + prepaids$17,695Not just lender fees.
Before credits & paid funds$70,887The complete starting cash picture.
Estimated remaining funds due at closing
$70,887No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,191.89
Your down payment$53,191.89
Closing costs + prepaids$17,694.90
Total buyer cash needed$70,886.79
Remaining funds due$70,886.79
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,350.00
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)$1,587.50
Initial HOA (3 months)$330.00
Prepaid interest, first (27 days)$2,952.40
Fees + prepaids$17,694.90
Your down payment is the seller’s equity. You take over the $581,808 balance, so the rest of the $635,000 price is paid at closing. A second mortgage can cover part of it. $70,886.79 is due at closing. Uses and sources reconcile at $652,694.90 each. Not a Closing Disclosure.