Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$116,568Cash toward the purchase price.
Closing costs + prepaids$14,152Not just lender fees.
Before credits & paid funds$130,720The complete starting cash picture.
Estimated remaining funds due at closing
$130,720No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$116,568.12
Your down payment$116,568.12
Closing costs + prepaids$14,152.19
Total buyer cash needed$130,720.31
Remaining funds due$130,720.31
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)$458.75
Prepaid interest, first (25 days)$1,818.44
Fees + prepaids$14,152.19
Your down payment is the seller’s equity. You take over the $423,432 balance, so the rest of the $540,000 price is paid at closing. A second mortgage can cover part of it. $130,720.31 is due at closing. Uses and sources reconcile at $554,152.19 each. Not a Closing Disclosure.