Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$66,342Cash toward the purchase price.
Closing costs + prepaids$14,586Not just lender fees.
Before credits & paid funds$80,928The complete starting cash picture.
Estimated remaining funds due at closing
$80,928No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$66,342.47
Your down payment$66,342.47
Closing costs + prepaids$14,585.71
Total buyer cash needed$80,928.18
Remaining funds due$80,928.18
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,399.00
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)$501.75
Initial HOA (3 months)$330.00
Prepaid interest, first (21 days)$1,879.96
Fees + prepaids$14,585.71
Your down payment is the seller’s equity. You take over the $473,558 balance, so the rest of the $539,900 price is paid at closing. A second mortgage can cover part of it. $80,928.18 is due at closing. Uses and sources reconcile at $554,485.71 each. Not a Closing Disclosure.