Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$44,672Cash toward the purchase price.
Closing costs + prepaids$12,945Not just lender fees.
Before credits & paid funds$57,617The complete starting cash picture.
Estimated remaining funds due at closing
$57,617No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,671.98
Your down payment$44,671.98
Closing costs + prepaids$12,945.50
Total buyer cash needed$57,617.48
Remaining funds due$57,617.48
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)$689.25
Initial HOA (3 months)$309.99
Prepaid interest, first (1 days)$81.26
Fees + prepaids$12,945.50
Your down payment is the seller’s equity. You take over the $494,328 balance, so the rest of the $539,000 price is paid at closing. A second mortgage can cover part of it. $57,617.48 is due at closing. Uses and sources reconcile at $551,945.50 each. Not a Closing Disclosure.