Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$37,496Cash toward the purchase price.
Closing costs + prepaids$15,088Not just lender fees.
Before credits & paid funds$52,584The complete starting cash picture.
Estimated remaining funds due at closing
$52,584No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,496.02
Your down payment$37,496.02
Closing costs + prepaids$15,088.20
Total buyer cash needed$52,584.21
Remaining funds due$52,584.21
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,150.00
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)$768.75
Initial HOA (3 months)$45.00
Prepaid interest, first (15 days)$1,649.45
Fees + prepaids$15,088.20
Your down payment is the seller’s equity. You take over the $577,504 balance, so the rest of the $615,000 price is paid at closing. A second mortgage can cover part of it. $52,584.21 is due at closing. Uses and sources reconcile at $630,088.20 each. Not a Closing Disclosure.