Follow the dollars · Assumption only
A complete cash picture for Dec 25, 2026
Your down payment$22,041Cash toward the purchase price.
Closing costs + prepaids$14,380Not just lender fees.
Before credits & paid funds$36,420The complete starting cash picture.
Estimated remaining funds due at closing
$36,420No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,040.57
Your down payment$22,040.57
Closing costs + prepaids$14,379.59
Total buyer cash needed$36,420.16
Remaining funds due$36,420.16
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,190.00
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)$742.75
Initial HOA (3 months)$246.00
Prepaid interest, first (7 days)$725.84
Fees + prepaids$14,379.59
Your down payment is the seller’s equity. You take over the $596,959 balance, so the rest of the $619,000 price is paid at closing. A second mortgage can cover part of it. $36,420.16 is due at closing. Uses and sources reconcile at $633,379.59 each. Not a Closing Disclosure.