Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$22,921Cash toward the purchase price.
Closing costs + prepaids$15,700Not just lender fees.
Before credits & paid funds$38,621The complete starting cash picture.
Estimated remaining funds due at closing
$38,621No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,920.59
Your down payment$22,920.59
Closing costs + prepaids$15,700.42
Total buyer cash needed$38,621.01
Remaining funds due$38,621.01
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,849.99
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)$469.25
Prepaid interest, first (28 days)$2,906.18
Fees + prepaids$15,700.42
Your down payment is the seller’s equity. You take over the $562,078 balance, so the rest of the $584,999 price is paid at closing. A second mortgage can cover part of it. $38,621.01 is due at closing. Uses and sources reconcile at $600,699.42 each. Not a Closing Disclosure.