Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$87,132Cash toward the purchase price.
Closing costs + prepaids$14,324Not just lender fees.
Before credits & paid funds$101,456The complete starting cash picture.
Estimated remaining funds due at closing
$101,456No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$87,131.81
Your down payment$87,131.81
Closing costs + prepaids$14,324.40
Total buyer cash needed$101,456.21
Remaining funds due$101,456.21
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,399.00
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)$486.25
Prepaid interest, first (26 days)$1,964.15
Fees + prepaids$14,324.40
Your down payment is the seller’s equity. You take over the $452,768 balance, so the rest of the $539,900 price is paid at closing. A second mortgage can cover part of it. $101,456.21 is due at closing. Uses and sources reconcile at $554,224.40 each. Not a Closing Disclosure.