Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$55,741Cash toward the purchase price.
Closing costs + prepaids$16,887Not just lender fees.
Before credits & paid funds$72,628The complete starting cash picture.
Estimated remaining funds due at closing
$72,628No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$55,741.19
Your down payment$55,741.19
Closing costs + prepaids$16,886.77
Total buyer cash needed$72,627.96
Remaining funds due$72,627.96
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,390.00
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)$1,597.50
Initial HOA (3 months)$2,229.00
Prepaid interest, first (2 days)$195.27
Fees + prepaids$16,886.77
Your down payment is the seller’s equity. You take over the $583,259 balance, so the rest of the $639,000 price is paid at closing. A second mortgage can cover part of it. $72,627.96 is due at closing. Uses and sources reconcile at $655,886.77 each. Not a Closing Disclosure.