Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$273,375Cash toward the purchase price.
Closing costs + prepaids$13,854Not just lender fees.
Before credits & paid funds$287,229The complete starting cash picture.
Estimated remaining funds due at closing
$287,229No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$273,375.06
Your down payment$273,375.06
Closing costs + prepaids$13,854.37
Total buyer cash needed$287,229.42
Remaining funds due$287,229.42
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)$1,347.50
Prepaid interest, first (28 days)$641.87
Fees + prepaids$13,854.37
Your down payment is the seller’s equity. You take over the $265,625 balance, so the rest of the $539,000 price is paid at closing. A second mortgage can cover part of it. $287,229.42 is due at closing. Uses and sources reconcile at $552,854.37 each. Not a Closing Disclosure.