Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$39,468Cash toward the purchase price.
Closing costs + prepaids$16,297Not just lender fees.
Before credits & paid funds$55,765The complete starting cash picture.
Estimated remaining funds due at closing
$55,765No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,467.83
Your down payment$39,467.83
Closing costs + prepaids$16,297.49
Total buyer cash needed$55,765.32
Remaining funds due$55,765.32
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,299.00
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)$1,574.75
Initial HOA (3 months)$126.00
Prepaid interest, first (18 days)$1,822.74
Fees + prepaids$16,297.49
Your down payment is the seller’s equity. You take over the $590,432 balance, so the rest of the $629,900 price is paid at closing. A second mortgage can cover part of it. $55,765.32 is due at closing. Uses and sources reconcile at $646,197.49 each. Not a Closing Disclosure.