Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$36,142Cash toward the purchase price.
Closing costs + prepaids$14,415Not just lender fees.
Before credits & paid funds$50,557The complete starting cash picture.
Estimated remaining funds due at closing
$50,557No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,141.54
Your down payment$36,141.54
Closing costs + prepaids$14,415.42
Total buyer cash needed$50,556.96
Remaining funds due$50,556.96
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)$16.50
Initial HOA (3 months)$555.00
Prepaid interest, first (21 days)$1,978.92
Fees + prepaids$14,415.42
Your down payment is the seller’s equity. You take over the $502,858 balance, so the rest of the $539,000 price is paid at closing. A second mortgage can cover part of it. $50,556.96 is due at closing. Uses and sources reconcile at $553,415.42 each. Not a Closing Disclosure.