Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$46,526Cash toward the purchase price.
Closing costs + prepaids$12,750Not just lender fees.
Before credits & paid funds$59,276The complete starting cash picture.
Estimated remaining funds due at closing
$59,276No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$46,526.31
Your down payment$46,526.31
Closing costs + prepaids$12,749.66
Total buyer cash needed$59,275.97
Remaining funds due$59,275.97
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)$550.50
Initial HOA (3 months)$240.00
Prepaid interest, first (1 days)$85.16
Fees + prepaids$12,749.66
Your down payment is the seller’s equity. You take over the $493,374 balance, so the rest of the $539,900 price is paid at closing. A second mortgage can cover part of it. $59,275.97 is due at closing. Uses and sources reconcile at $552,649.66 each. Not a Closing Disclosure.