Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$19,721Cash toward the purchase price.
Closing costs + prepaids$16,469Not just lender fees.
Before credits & paid funds$36,190The complete starting cash picture.
Estimated remaining funds due at closing
$36,190No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,720.69
Your down payment$19,720.69
Closing costs + prepaids$16,469.36
Total buyer cash needed$36,190.05
Remaining funds due$36,190.05
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)$812.75
Initial HOA (3 months)$255.00
Prepaid interest, first (25 days)$2,776.61
Fees + prepaids$16,469.36
Your down payment is the seller’s equity. You take over the $595,279 balance, so the rest of the $615,000 price is paid at closing. A second mortgage can cover part of it. $36,190.05 is due at closing. Uses and sources reconcile at $631,469.36 each. Not a Closing Disclosure.