Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$102,369Cash toward the purchase price.
Closing costs + prepaids$13,302Not just lender fees.
Before credits & paid funds$115,670The complete starting cash picture.
Estimated remaining funds due at closing
$115,670No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$102,368.50
Your down payment$102,368.50
Closing costs + prepaids$13,301.84
Total buyer cash needed$115,670.34
Remaining funds due$115,670.34
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)$648.00
Initial HOA (3 months)$180.00
Prepaid interest, first (12 days)$599.84
Fees + prepaids$13,301.84
Your down payment is the seller’s equity. You take over the $437,531 balance, so the rest of the $539,900 price is paid at closing. A second mortgage can cover part of it. $115,670.34 is due at closing. Uses and sources reconcile at $553,201.84 each. Not a Closing Disclosure.