Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$101,018Cash toward the purchase price.
Closing costs + prepaids$15,091Not just lender fees.
Before credits & paid funds$116,109The complete starting cash picture.
Estimated remaining funds due at closing
$116,109No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$101,018.30
Your down payment$101,018.30
Closing costs + prepaids$15,090.94
Total buyer cash needed$116,109.24
Remaining funds due$116,109.24
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,399.00
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)$1,321.00
Initial HOA (3 months)$195.00
Prepaid interest, first (22 days)$1,700.94
Fees + prepaids$15,090.94
Your down payment is the seller’s equity. You take over the $438,882 balance, so the rest of the $539,900 price is paid at closing. A second mortgage can cover part of it. $116,109.24 is due at closing. Uses and sources reconcile at $554,990.94 each. Not a Closing Disclosure.