Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$42,519Cash toward the purchase price.
Closing costs + prepaids$14,814Not just lender fees.
Before credits & paid funds$57,334The complete starting cash picture.
Estimated remaining funds due at closing
$57,334No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$42,519.24
Your down payment$42,519.24
Closing costs + prepaids$14,814.29
Total buyer cash needed$57,333.53
Remaining funds due$57,333.53
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)$539.00
Initial HOA (3 months)$225.00
Prepaid interest, first (28 days)$2,175.29
Fees + prepaids$14,814.29
Your down payment is the seller’s equity. You take over the $497,481 balance, so the rest of the $540,000 price is paid at closing. A second mortgage can cover part of it. $57,333.53 is due at closing. Uses and sources reconcile at $554,814.29 each. Not a Closing Disclosure.