Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$42,724Cash toward the purchase price.
Closing costs + prepaids$13,719Not just lender fees.
Before credits & paid funds$56,442The complete starting cash picture.
Estimated remaining funds due at closing
$56,442No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$42,723.57
Your down payment$42,723.57
Closing costs + prepaids$13,718.90
Total buyer cash needed$56,442.47
Remaining funds due$56,442.47
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,390.00
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)$646.75
Initial HOA (3 months)$342.00
Prepaid interest, first (9 days)$865.15
Fees + prepaids$13,718.90
Your down payment is the seller’s equity. You take over the $496,276 balance, so the rest of the $539,000 price is paid at closing. A second mortgage can cover part of it. $56,442.47 is due at closing. Uses and sources reconcile at $552,718.90 each. Not a Closing Disclosure.