Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$38,846Cash toward the purchase price.
Closing costs + prepaids$14,221Not just lender fees.
Before credits & paid funds$53,067The complete starting cash picture.
Estimated remaining funds due at closing
$53,067No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,846.06
Your down payment$38,846.06
Closing costs + prepaids$14,221.12
Total buyer cash needed$53,067.18
Remaining funds due$53,067.18
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,699.99
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)$684.00
Initial HOA (3 months)$255.00
Prepaid interest, first (12 days)$1,107.13
Fees + prepaids$14,221.12
Your down payment is the seller’s equity. You take over the $531,153 balance, so the rest of the $569,999 price is paid at closing. A second mortgage can cover part of it. $53,067.18 is due at closing. Uses and sources reconcile at $584,220.12 each. Not a Closing Disclosure.