Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$275,099Cash toward the purchase price.
Closing costs + prepaids$13,347Not just lender fees.
Before credits & paid funds$288,446The complete starting cash picture.
Estimated remaining funds due at closing
$288,446No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$275,098.76
Your down payment$275,098.76
Closing costs + prepaids$13,347.39
Total buyer cash needed$288,446.15
Remaining funds due$288,446.15
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)$249.50
Prepaid interest, first (28 days)$1,232.89
Fees + prepaids$13,347.39
Your down payment is the seller’s equity. You take over the $263,901 balance, so the rest of the $539,000 price is paid at closing. A second mortgage can cover part of it. $288,446.15 is due at closing. Uses and sources reconcile at $552,347.39 each. Not a Closing Disclosure.