Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$20,987Cash toward the purchase price.
Closing costs + prepaids$14,498Not just lender fees.
Before credits & paid funds$35,485The complete starting cash picture.
Estimated remaining funds due at closing
$35,485No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,986.56
Your down payment$20,986.56
Closing costs + prepaids$14,498.04
Total buyer cash needed$35,484.60
Remaining funds due$35,484.60
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,900.00
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)$708.00
Initial HOA (3 months)$113.01
Prepaid interest, first (12 days)$1,302.03
Fees + prepaids$14,498.04
Your down payment is the seller’s equity. You take over the $569,013 balance, so the rest of the $590,000 price is paid at closing. A second mortgage can cover part of it. $35,484.60 is due at closing. Uses and sources reconcile at $604,498.04 each. Not a Closing Disclosure.