Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$45,958Cash toward the purchase price.
Closing costs + prepaids$15,587Not just lender fees.
Before credits & paid funds$61,545The complete starting cash picture.
Estimated remaining funds due at closing
$61,545No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,958.26
Your down payment$45,958.26
Closing costs + prepaids$15,586.51
Total buyer cash needed$61,544.76
Remaining funds due$61,544.76
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)$1,389.75
Initial HOA (3 months)$27.51
Prepaid interest, first (25 days)$2,294.25
Fees + prepaids$15,586.51
Your down payment is the seller’s equity. You take over the $494,042 balance, so the rest of the $540,000 price is paid at closing. A second mortgage can cover part of it. $61,544.76 is due at closing. Uses and sources reconcile at $555,586.51 each. Not a Closing Disclosure.