Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$37,480Cash toward the purchase price.
Closing costs + prepaids$15,102Not just lender fees.
Before credits & paid funds$52,582The complete starting cash picture.
Estimated remaining funds due at closing
$52,582No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,480.29
Your down payment$37,480.29
Closing costs + prepaids$15,101.53
Total buyer cash needed$52,581.82
Remaining funds due$52,581.82
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,300.00
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)$756.00
Initial HOA (3 months)$279.00
Prepaid interest, first (12 days)$1,291.53
Fees + prepaids$15,101.53
Your down payment is the seller’s equity. You take over the $592,520 balance, so the rest of the $630,000 price is paid at closing. A second mortgage can cover part of it. $52,581.82 is due at closing. Uses and sources reconcile at $645,101.53 each. Not a Closing Disclosure.