Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$42,576Cash toward the purchase price.
Closing costs + prepaids$13,694Not just lender fees.
Before credits & paid funds$56,271The complete starting cash picture.
Estimated remaining funds due at closing
$56,271No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$42,576.42
Your down payment$42,576.42
Closing costs + prepaids$13,694.17
Total buyer cash needed$56,270.59
Remaining funds due$56,270.59
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)$315.00
Prepaid interest, first (9 days)$857.17
Fees + prepaids$13,694.17
Your down payment is the seller’s equity. You take over the $497,324 balance, so the rest of the $539,900 price is paid at closing. A second mortgage can cover part of it. $56,270.59 is due at closing. Uses and sources reconcile at $553,594.17 each. Not a Closing Disclosure.