Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$37,801Cash toward the purchase price.
Closing costs + prepaids$18,069Not just lender fees.
Before credits & paid funds$55,870The complete starting cash picture.
Estimated remaining funds due at closing
$55,870No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,801.36
Your down payment$37,801.36
Closing costs + prepaids$18,068.86
Total buyer cash needed$55,870.22
Remaining funds due$55,870.22
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,000.00
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)$1,500.00
Initial HOA (3 months)$1,200.00
Prepaid interest, first (28 days)$2,893.86
Fees + prepaids$18,068.86
Your down payment is the seller’s equity. You take over the $562,199 balance, so the rest of the $600,000 price is paid at closing. A second mortgage can cover part of it. $55,870.22 is due at closing. Uses and sources reconcile at $618,068.86 each. Not a Closing Disclosure.