Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$22,921Cash toward the purchase price.
Closing costs + prepaids$14,821Not just lender fees.
Before credits & paid funds$37,741The complete starting cash picture.
Estimated remaining funds due at closing
$37,741No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,920.59
Your down payment$22,920.59
Closing costs + prepaids$14,820.70
Total buyer cash needed$37,741.29
Remaining funds due$37,741.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,849.99
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)$731.25
Prepaid interest, first (17 days)$1,764.46
Fees + prepaids$14,820.70
Your down payment is the seller’s equity. You take over the $562,078 balance, so the rest of the $584,999 price is paid at closing. A second mortgage can cover part of it. $37,741.29 is due at closing. Uses and sources reconcile at $599,819.70 each. Not a Closing Disclosure.