Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$71,945Cash toward the purchase price.
Closing costs + prepaids$13,488Not just lender fees.
Before credits & paid funds$85,433The complete starting cash picture.
Estimated remaining funds due at closing
$85,433No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$71,945.21
Your down payment$71,945.21
Closing costs + prepaids$13,487.83
Total buyer cash needed$85,433.05
Remaining funds due$85,433.05
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)$648.00
Prepaid interest, first (12 days)$964.83
Fees + prepaids$13,487.83
Your down payment is the seller’s equity. You take over the $468,055 balance, so the rest of the $540,000 price is paid at closing. A second mortgage can cover part of it. $85,433.05 is due at closing. Uses and sources reconcile at $553,487.83 each. Not a Closing Disclosure.