Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$95,131Cash toward the purchase price.
Closing costs + prepaids$15,465Not just lender fees.
Before credits & paid funds$110,596The complete starting cash picture.
Estimated remaining funds due at closing
$110,596No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$95,131.03
Your down payment$95,131.03
Closing costs + prepaids$15,464.60
Total buyer cash needed$110,595.63
Remaining funds due$110,595.63
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)$1,188.25
Initial HOA (3 months)$255.00
Prepaid interest, first (26 days)$2,156.35
Fees + prepaids$15,464.60
Your down payment is the seller’s equity. You take over the $443,869 balance, so the rest of the $539,000 price is paid at closing. A second mortgage can cover part of it. $110,595.63 is due at closing. Uses and sources reconcile at $554,464.60 each. Not a Closing Disclosure.