Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$193,109Cash toward the purchase price.
Closing costs + prepaids$15,421Not just lender fees.
Before credits & paid funds$208,530The complete starting cash picture.
Estimated remaining funds due at closing
$208,530No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$193,109.02
Your down payment$193,109.02
Closing costs + prepaids$15,420.98
Total buyer cash needed$208,529.99
Remaining funds due$208,529.99
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)$1,446.00
Prepaid interest, first (27 days)$762.48
Fees + prepaids$15,420.98
Your down payment is the seller’s equity. You take over the $345,891 balance, so the rest of the $539,000 price is paid at closing. A second mortgage can cover part of it. $208,529.99 is due at closing. Uses and sources reconcile at $554,420.98 each. Not a Closing Disclosure.