Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$113,542Cash toward the purchase price.
Closing costs + prepaids$15,276Not just lender fees.
Before credits & paid funds$128,818The complete starting cash picture.
Estimated remaining funds due at closing
$128,818No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$113,541.93
Your down payment$113,541.93
Closing costs + prepaids$15,276.20
Total buyer cash needed$128,818.14
Remaining funds due$128,818.14
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)$1,350.00
Prepaid interest, first (28 days)$2,051.20
Fees + prepaids$15,276.20
Your down payment is the seller’s equity. You take over the $426,458 balance, so the rest of the $540,000 price is paid at closing. A second mortgage can cover part of it. $128,818.14 is due at closing. Uses and sources reconcile at $555,276.20 each. Not a Closing Disclosure.