Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$34,686Cash toward the purchase price.
Closing costs + prepaids$15,369Not just lender fees.
Before credits & paid funds$50,055The complete starting cash picture.
Estimated remaining funds due at closing
$50,055No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,686.10
Your down payment$34,686.10
Closing costs + prepaids$15,369.17
Total buyer cash needed$50,055.27
Remaining funds due$50,055.27
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,550.00
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)$786.00
Initial HOA (3 months)$255.00
Prepaid interest, first (12 days)$1,303.17
Fees + prepaids$15,369.17
Your down payment is the seller’s equity. You take over the $620,314 balance, so the rest of the $655,000 price is paid at closing. A second mortgage can cover part of it. $50,055.27 is due at closing. Uses and sources reconcile at $670,369.17 each. Not a Closing Disclosure.