Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$56,400Cash toward the purchase price.
Closing costs + prepaids$14,844Not just lender fees.
Before credits & paid funds$71,244The complete starting cash picture.
Estimated remaining funds due at closing
$71,244No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$56,399.88
Your down payment$56,399.88
Closing costs + prepaids$14,844.15
Total buyer cash needed$71,244.03
Remaining funds due$71,244.03
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,190.00
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)$742.75
Initial HOA (3 months)$162.00
Prepaid interest, first (12 days)$1,274.40
Fees + prepaids$14,844.15
Your down payment is the seller’s equity. You take over the $562,600 balance, so the rest of the $619,000 price is paid at closing. A second mortgage can cover part of it. $71,244.03 is due at closing. Uses and sources reconcile at $633,844.15 each. Not a Closing Disclosure.