Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$21,538Cash toward the purchase price.
Closing costs + prepaids$14,469Not just lender fees.
Before credits & paid funds$36,007The complete starting cash picture.
Estimated remaining funds due at closing
$36,007No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,538.10
Your down payment$21,538.10
Closing costs + prepaids$14,468.74
Total buyer cash needed$36,006.84
Remaining funds due$36,006.84
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,900.00
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)$708.00
Initial HOA (3 months)$113.01
Prepaid interest, first (12 days)$1,272.73
Fees + prepaids$14,468.74
Your down payment is the seller’s equity. You take over the $568,462 balance, so the rest of the $590,000 price is paid at closing. A second mortgage can cover part of it. $36,006.84 is due at closing. Uses and sources reconcile at $604,468.74 each. Not a Closing Disclosure.