Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$20,924Cash toward the purchase price.
Closing costs + prepaids$14,625Not just lender fees.
Before credits & paid funds$35,549The complete starting cash picture.
Estimated remaining funds due at closing
$35,549No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,923.63
Your down payment$20,923.63
Closing costs + prepaids$14,625.11
Total buyer cash needed$35,548.74
Remaining funds due$35,548.74
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,900.00
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)$1,924.75
Initial HOA (3 months)$113.01
Prepaid interest, first (2 days)$212.35
Fees + prepaids$14,625.11
Your down payment is the seller’s equity. You take over the $569,076 balance, so the rest of the $590,000 price is paid at closing. A second mortgage can cover part of it. $35,548.74 is due at closing. Uses and sources reconcile at $604,625.11 each. Not a Closing Disclosure.