Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$36,587Cash toward the purchase price.
Closing costs + prepaids$15,713Not just lender fees.
Before credits & paid funds$52,300The complete starting cash picture.
Estimated remaining funds due at closing
$52,300No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,587.45
Your down payment$36,587.45
Closing costs + prepaids$15,712.81
Total buyer cash needed$52,300.26
Remaining funds due$52,300.26
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,399.00
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)$800.00
Initial HOA (3 months)$114.00
Prepaid interest, first (17 days)$1,924.81
Fees + prepaids$15,712.81
Your down payment is the seller’s equity. You take over the $603,313 balance, so the rest of the $639,900 price is paid at closing. A second mortgage can cover part of it. $52,300.26 is due at closing. Uses and sources reconcile at $655,612.81 each. Not a Closing Disclosure.