Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$37,604Cash toward the purchase price.
Closing costs + prepaids$13,793Not just lender fees.
Before credits & paid funds$51,397The complete starting cash picture.
Estimated remaining funds due at closing
$51,397No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,603.95
Your down payment$37,603.95
Closing costs + prepaids$13,792.83
Total buyer cash needed$51,396.78
Remaining funds due$51,396.78
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,990.00
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)$718.75
Prepaid interest, first (6 days)$609.08
Fees + prepaids$13,792.83
Your down payment is the seller’s equity. You take over the $561,396 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $51,396.78 is due at closing. Uses and sources reconcile at $612,792.83 each. Not a Closing Disclosure.