Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$41,392Cash toward the purchase price.
Closing costs + prepaids$14,768Not just lender fees.
Before credits & paid funds$56,160The complete starting cash picture.
Estimated remaining funds due at closing
$56,160No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$41,392.29
Your down payment$41,392.29
Closing costs + prepaids$14,767.54
Total buyer cash needed$56,159.83
Remaining funds due$56,159.83
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,120.00
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)$734.50
Initial HOA (3 months)$153.00
Prepaid interest, first (12 days)$1,285.04
Fees + prepaids$14,767.54
Your down payment is the seller’s equity. You take over the $570,608 balance, so the rest of the $612,000 price is paid at closing. A second mortgage can cover part of it. $56,159.83 is due at closing. Uses and sources reconcile at $626,767.54 each. Not a Closing Disclosure.