Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$37,871Cash toward the purchase price.
Closing costs + prepaids$14,106Not just lender fees.
Before credits & paid funds$51,976The complete starting cash picture.
Estimated remaining funds due at closing
$51,976No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,870.88
Your down payment$37,870.88
Closing costs + prepaids$14,105.56
Total buyer cash needed$51,976.44
Remaining funds due$51,976.44
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,950.00
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)$714.00
Initial HOA (3 months)$396.00
Prepaid interest, first (6 days)$570.56
Fees + prepaids$14,105.56
Your down payment is the seller’s equity. You take over the $557,129 balance, so the rest of the $595,000 price is paid at closing. A second mortgage can cover part of it. $51,976.44 is due at closing. Uses and sources reconcile at $609,105.56 each. Not a Closing Disclosure.