Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$53,368Cash toward the purchase price.
Closing costs + prepaids$13,312Not just lender fees.
Before credits & paid funds$66,680The complete starting cash picture.
Estimated remaining funds due at closing
$66,680No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,367.64
Your down payment$53,367.64
Closing costs + prepaids$13,312.23
Total buyer cash needed$66,679.87
Remaining funds due$66,679.87
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,395.00
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)$647.50
Prepaid interest, first (9 days)$794.73
Fees + prepaids$13,312.23
Your down payment is the seller’s equity. You take over the $486,132 balance, so the rest of the $539,500 price is paid at closing. A second mortgage can cover part of it. $66,679.87 is due at closing. Uses and sources reconcile at $552,812.23 each. Not a Closing Disclosure.