Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$22,392Cash toward the purchase price.
Closing costs + prepaids$16,245Not just lender fees.
Before credits & paid funds$38,637The complete starting cash picture.
Estimated remaining funds due at closing
$38,637No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,392.40
Your down payment$22,392.40
Closing costs + prepaids$16,244.74
Total buyer cash needed$38,637.14
Remaining funds due$38,637.14
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,150.00
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)$1,537.50
Prepaid interest, first (27 days)$2,082.24
Fees + prepaids$16,244.74
Your down payment is the seller’s equity. You take over the $592,608 balance, so the rest of the $615,000 price is paid at closing. A second mortgage can cover part of it. $38,637.14 is due at closing. Uses and sources reconcile at $631,244.74 each. Not a Closing Disclosure.