Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$23,143Cash toward the purchase price.
Closing costs + prepaids$14,536Not just lender fees.
Before credits & paid funds$37,680The complete starting cash picture.
Estimated remaining funds due at closing
$37,680No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,143.43
Your down payment$23,143.43
Closing costs + prepaids$14,536.10
Total buyer cash needed$37,679.52
Remaining funds due$37,679.52
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,990.00
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)$718.75
Initial HOA (3 months)$135.00
Prepaid interest, first (12 days)$1,217.35
Fees + prepaids$14,536.10
Your down payment is the seller’s equity. You take over the $575,857 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $37,679.52 is due at closing. Uses and sources reconcile at $613,536.10 each. Not a Closing Disclosure.