Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$90,147Cash toward the purchase price.
Closing costs + prepaids$14,499Not just lender fees.
Before credits & paid funds$104,646The complete starting cash picture.
Estimated remaining funds due at closing
$104,646No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$90,146.83
Your down payment$90,146.83
Closing costs + prepaids$14,499.02
Total buyer cash needed$104,645.84
Remaining funds due$104,645.84
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,400.00
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)$585.50
Initial HOA (3 months)$264.00
Prepaid interest, first (23 days)$1,774.52
Fees + prepaids$14,499.02
Your down payment is the seller’s equity. You take over the $449,853 balance, so the rest of the $540,000 price is paid at closing. A second mortgage can cover part of it. $104,645.84 is due at closing. Uses and sources reconcile at $554,499.02 each. Not a Closing Disclosure.