Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$98,466Cash toward the purchase price.
Closing costs + prepaids$14,881Not just lender fees.
Before credits & paid funds$113,346The complete starting cash picture.
Estimated remaining funds due at closing
$113,346No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$98,465.67
Your down payment$98,465.67
Closing costs + prepaids$14,880.61
Total buyer cash needed$113,346.29
Remaining funds due$113,346.29
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)$748.50
Initial HOA (3 months)$8.25
Prepaid interest, first (27 days)$2,249.86
Fees + prepaids$14,880.61
Your down payment is the seller’s equity. You take over the $441,434 balance, so the rest of the $539,900 price is paid at closing. A second mortgage can cover part of it. $113,346.29 is due at closing. Uses and sources reconcile at $554,780.61 each. Not a Closing Disclosure.