Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$93,014Cash toward the purchase price.
Closing costs + prepaids$15,356Not just lender fees.
Before credits & paid funds$108,370The complete starting cash picture.
Estimated remaining funds due at closing
$108,370No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$93,013.67
Your down payment$93,013.67
Closing costs + prepaids$15,356.33
Total buyer cash needed$108,369.99
Remaining funds due$108,369.99
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)$1,152.25
Initial HOA (3 months)$210.00
Prepaid interest, first (26 days)$2,120.08
Fees + prepaids$15,356.33
Your down payment is the seller’s equity. You take over the $446,886 balance, so the rest of the $539,900 price is paid at closing. A second mortgage can cover part of it. $108,369.99 is due at closing. Uses and sources reconcile at $555,256.33 each. Not a Closing Disclosure.