Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$28,324Cash toward the purchase price.
Closing costs + prepaids$15,725Not just lender fees.
Before credits & paid funds$44,049The complete starting cash picture.
Estimated remaining funds due at closing
$44,049No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,323.88
Your down payment$28,323.88
Closing costs + prepaids$15,724.97
Total buyer cash needed$44,048.85
Remaining funds due$44,048.85
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,899.90
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)$654.00
Initial HOA (3 months)$187.50
Prepaid interest, first (26 days)$2,508.57
Fees + prepaids$15,724.97
Your down payment is the seller’s equity. You take over the $561,666 balance, so the rest of the $589,990 price is paid at closing. A second mortgage can cover part of it. $44,048.85 is due at closing. Uses and sources reconcile at $605,714.97 each. Not a Closing Disclosure.