Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$29,591Cash toward the purchase price.
Closing costs + prepaids$14,014Not just lender fees.
Before credits & paid funds$43,604The complete starting cash picture.
Estimated remaining funds due at closing
$43,604No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,590.71
Your down payment$29,590.71
Closing costs + prepaids$14,013.65
Total buyer cash needed$43,604.37
Remaining funds due$43,604.37
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,235.00
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)$748.25
Initial HOA (3 months)$6.24
Prepaid interest, first (6 days)$549.16
Fees + prepaids$14,013.65
Your down payment is the seller’s equity. You take over the $593,909 balance, so the rest of the $623,500 price is paid at closing. A second mortgage can cover part of it. $43,604.37 is due at closing. Uses and sources reconcile at $637,513.65 each. Not a Closing Disclosure.