Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$37,496Cash toward the purchase price.
Closing costs + prepaids$16,258Not just lender fees.
Before credits & paid funds$53,754The complete starting cash picture.
Estimated remaining funds due at closing
$53,754No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,496.02
Your down payment$37,496.02
Closing costs + prepaids$16,257.58
Total buyer cash needed$53,753.59
Remaining funds due$53,753.59
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)$838.50
Initial HOA (3 months)$45.00
Prepaid interest, first (25 days)$2,749.08
Fees + prepaids$16,257.58
Your down payment is the seller’s equity. You take over the $577,504 balance, so the rest of the $615,000 price is paid at closing. A second mortgage can cover part of it. $53,753.59 is due at closing. Uses and sources reconcile at $631,257.58 each. Not a Closing Disclosure.