Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$34,035Cash toward the purchase price.
Closing costs + prepaids$17,249Not just lender fees.
Before credits & paid funds$51,284The complete starting cash picture.
Estimated remaining funds due at closing
$51,284No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,034.96
Your down payment$34,034.96
Closing costs + prepaids$17,248.65
Total buyer cash needed$51,283.61
Remaining funds due$51,283.61
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,399.00
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)$1,057.25
Initial HOA (3 months)$225.00
Prepaid interest, first (27 days)$3,092.40
Fees + prepaids$17,248.65
Your down payment is the seller’s equity. You take over the $605,865 balance, so the rest of the $639,900 price is paid at closing. A second mortgage can cover part of it. $51,283.61 is due at closing. Uses and sources reconcile at $657,148.65 each. Not a Closing Disclosure.