Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$23,440Cash toward the purchase price.
Closing costs + prepaids$17,820Not just lender fees.
Before credits & paid funds$41,259The complete starting cash picture.
Estimated remaining funds due at closing
$41,259No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,439.50
Your down payment$23,439.50
Closing costs + prepaids$17,819.83
Total buyer cash needed$41,259.33
Remaining funds due$41,259.33
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,299.98
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)$1,575.00
Prepaid interest, first (30 days)$3,469.85
Fees + prepaids$17,819.83
Your down payment is the seller’s equity. You take over the $606,558 balance, so the rest of the $629,998 price is paid at closing. A second mortgage can cover part of it. $41,259.33 is due at closing. Uses and sources reconcile at $647,817.83 each. Not a Closing Disclosure.