Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$100,303Cash toward the purchase price.
Closing costs + prepaids$16,480Not just lender fees.
Before credits & paid funds$116,784The complete starting cash picture.
Estimated remaining funds due at closing
$116,784No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$100,303.33
Your down payment$100,303.33
Closing costs + prepaids$16,480.23
Total buyer cash needed$116,783.56
Remaining funds due$116,783.56
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
Initial HOA (3 months)$1,050.00
Prepaid interest, first (27 days)$2,205.23
Fees + prepaids$16,480.23
Your down payment is the seller’s equity. You take over the $439,697 balance, so the rest of the $540,000 price is paid at closing. A second mortgage can cover part of it. $116,783.56 is due at closing. Uses and sources reconcile at $556,480.23 each. Not a Closing Disclosure.