Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$3,204Cash toward the purchase price.
Closing costs + prepaids$13,779Not just lender fees.
Before credits & paid funds$16,983The complete starting cash picture.
Estimated remaining funds due at closing
$16,983No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$3,204.20
Your down payment$3,204.20
Closing costs + prepaids$13,778.60
Total buyer cash needed$16,982.80
Remaining funds due$16,982.80
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)$54.99
Prepaid interest, first (12 days)$1,201.61
Fees + prepaids$13,778.60
Your down payment is the seller’s equity. You take over the $536,696 balance, so the rest of the $539,900 price is paid at closing. A second mortgage can cover part of it. $16,982.80 is due at closing. Uses and sources reconcile at $553,678.60 each. Not a Closing Disclosure.