Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$35,591Cash toward the purchase price.
Closing costs + prepaids$16,818Not just lender fees.
Before credits & paid funds$52,408The complete starting cash picture.
Estimated remaining funds due at closing
$52,408No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,590.70
Your down payment$35,590.70
Closing costs + prepaids$16,817.51
Total buyer cash needed$52,408.20
Remaining funds due$52,408.20
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,999.00
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)$2,021.25
Initial HOA (3 months)$108.00
Prepaid interest, first (31 days)$2,214.26
Fees + prepaids$16,817.51
Your down payment is the seller’s equity. You take over the $564,309 balance, so the rest of the $599,900 price is paid at closing. A second mortgage can cover part of it. $52,408.20 is due at closing. Uses and sources reconcile at $616,717.51 each. Not a Closing Disclosure.