Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$22,533Cash toward the purchase price.
Closing costs + prepaids$15,359Not just lender fees.
Before credits & paid funds$37,893The complete starting cash picture.
Estimated remaining funds due at closing
$37,893No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,533.17
Your down payment$22,533.17
Closing costs + prepaids$15,359.50
Total buyer cash needed$37,892.67
Remaining funds due$37,892.67
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)$428.50
Initial HOA (3 months)$285.00
Prepaid interest, first (31 days)$2,781.00
Fees + prepaids$15,359.50
Your down payment is the seller’s equity. You take over the $516,467 balance, so the rest of the $539,000 price is paid at closing. A second mortgage can cover part of it. $37,892.67 is due at closing. Uses and sources reconcile at $554,359.50 each. Not a Closing Disclosure.