Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$36,522Cash toward the purchase price.
Closing costs + prepaids$14,144Not just lender fees.
Before credits & paid funds$50,666The complete starting cash picture.
Estimated remaining funds due at closing
$50,666No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,521.60
Your down payment$36,521.60
Closing costs + prepaids$14,144.34
Total buyer cash needed$50,665.94
Remaining funds due$50,665.94
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,950.00
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)$714.00
Initial HOA (3 months)$225.00
Prepaid interest, first (12 days)$780.34
Fees + prepaids$14,144.34
Your down payment is the seller’s equity. You take over the $558,478 balance, so the rest of the $595,000 price is paid at closing. A second mortgage can cover part of it. $50,665.94 is due at closing. Uses and sources reconcile at $609,144.34 each. Not a Closing Disclosure.