Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$63,460Cash toward the purchase price.
Closing costs + prepaids$16,014Not just lender fees.
Before credits & paid funds$79,475The complete starting cash picture.
Estimated remaining funds due at closing
$79,475No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$63,460.17
Your down payment$63,460.17
Closing costs + prepaids$16,014.34
Total buyer cash needed$79,474.51
Remaining funds due$79,474.51
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,390.00
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)$475.25
Initial HOA (3 months)$960.00
Prepaid interest, first (31 days)$2,714.09
Fees + prepaids$16,014.34
Your down payment is the seller’s equity. You take over the $475,540 balance, so the rest of the $539,000 price is paid at closing. A second mortgage can cover part of it. $79,474.51 is due at closing. Uses and sources reconcile at $555,014.34 each. Not a Closing Disclosure.