Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$99,448Cash toward the purchase price.
Closing costs + prepaids$15,778Not just lender fees.
Before credits & paid funds$115,226The complete starting cash picture.
Estimated remaining funds due at closing
$115,226No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$99,448.26
Your down payment$99,448.26
Closing costs + prepaids$15,777.94
Total buyer cash needed$115,226.20
Remaining funds due$115,226.20
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)$1,619.50
Initial HOA (3 months)$22.50
Prepaid interest, first (28 days)$2,260.94
Fees + prepaids$15,777.94
Your down payment is the seller’s equity. You take over the $440,552 balance, so the rest of the $540,000 price is paid at closing. A second mortgage can cover part of it. $115,226.20 is due at closing. Uses and sources reconcile at $555,777.94 each. Not a Closing Disclosure.