Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$160,397Cash toward the purchase price.
Closing costs + prepaids$13,719Not just lender fees.
Before credits & paid funds$174,115The complete starting cash picture.
Estimated remaining funds due at closing
$174,115No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$160,396.65
Your down payment$160,396.65
Closing costs + prepaids$13,718.52
Total buyer cash needed$174,115.17
Remaining funds due$174,115.17
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)$648.25
Initial HOA (3 months)$62.49
Prepaid interest, first (28 days)$1,132.78
Fees + prepaids$13,718.52
Your down payment is the seller’s equity. You take over the $379,603 balance, so the rest of the $540,000 price is paid at closing. A second mortgage can cover part of it. $174,115.17 is due at closing. Uses and sources reconcile at $553,718.52 each. Not a Closing Disclosure.