Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$101,254Cash toward the purchase price.
Closing costs + prepaids$13,968Not just lender fees.
Before credits & paid funds$115,222The complete starting cash picture.
Estimated remaining funds due at closing
$115,222No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$101,253.98
Your down payment$101,253.98
Closing costs + prepaids$13,968.36
Total buyer cash needed$115,222.34
Remaining funds due$115,222.34
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,398.00
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)$790.00
Initial HOA (3 months)$249.00
Prepaid interest, first (28 days)$1,056.36
Fees + prepaids$13,968.36
Your down payment is the seller’s equity. You take over the $438,546 balance, so the rest of the $539,800 price is paid at closing. A second mortgage can cover part of it. $115,222.34 is due at closing. Uses and sources reconcile at $553,768.36 each. Not a Closing Disclosure.