Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$59,094Cash toward the purchase price.
Closing costs + prepaids$14,451Not just lender fees.
Before credits & paid funds$73,545The complete starting cash picture.
Estimated remaining funds due at closing
$73,545No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$59,094.19
Your down payment$59,094.19
Closing costs + prepaids$14,450.90
Total buyer cash needed$73,545.10
Remaining funds due$73,545.10
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,390.00
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)$744.25
Prepaid interest, first (23 days)$1,841.65
Fees + prepaids$14,450.90
Your down payment is the seller’s equity. You take over the $479,906 balance, so the rest of the $539,000 price is paid at closing. A second mortgage can cover part of it. $73,545.10 is due at closing. Uses and sources reconcile at $553,450.90 each. Not a Closing Disclosure.