Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$104,645Cash toward the purchase price.
Closing costs + prepaids$15,624Not just lender fees.
Before credits & paid funds$120,269The complete starting cash picture.
Estimated remaining funds due at closing
$120,269No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$104,645.18
Your down payment$104,645.18
Closing costs + prepaids$15,623.60
Total buyer cash needed$120,268.78
Remaining funds due$120,268.78
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
Initial HOA (3 months)$1,560.00
Prepaid interest, first (24 days)$851.10
Fees + prepaids$15,623.60
Your down payment is the seller’s equity. You take over the $434,355 balance, so the rest of the $539,000 price is paid at closing. A second mortgage can cover part of it. $120,268.78 is due at closing. Uses and sources reconcile at $554,623.60 each. Not a Closing Disclosure.