Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$38,011Cash toward the purchase price.
Closing costs + prepaids$18,766Not just lender fees.
Before credits & paid funds$56,777The complete starting cash picture.
Estimated remaining funds due at closing
$56,777No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,011.47
Your down payment$38,011.47
Closing costs + prepaids$18,765.60
Total buyer cash needed$56,777.08
Remaining funds due$56,777.08
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,300.00
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)$1,575.00
Initial HOA (3 months)$1,395.00
Prepaid interest, first (24 days)$3,020.60
Fees + prepaids$18,765.60
Your down payment is the seller’s equity. You take over the $591,989 balance, so the rest of the $630,000 price is paid at closing. A second mortgage can cover part of it. $56,777.08 is due at closing. Uses and sources reconcile at $648,765.60 each. Not a Closing Disclosure.