Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$95,204Cash toward the purchase price.
Closing costs + prepaids$15,258Not just lender fees.
Before credits & paid funds$110,462The complete starting cash picture.
Estimated remaining funds due at closing
$110,462No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$95,203.89
Your down payment$95,203.89
Closing costs + prepaids$15,258.43
Total buyer cash needed$110,462.32
Remaining funds due$110,462.32
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,400.00
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)$1,235.25
Prepaid interest, first (26 days)$2,148.18
Fees + prepaids$15,258.43
Your down payment is the seller’s equity. You take over the $444,796 balance, so the rest of the $540,000 price is paid at closing. A second mortgage can cover part of it. $110,462.32 is due at closing. Uses and sources reconcile at $555,258.43 each. Not a Closing Disclosure.