Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$21,912Cash toward the purchase price.
Closing costs + prepaids$12,758Not just lender fees.
Before credits & paid funds$34,670The complete starting cash picture.
Estimated remaining funds due at closing
$34,670No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,912.13
Your down payment$21,912.13
Closing costs + prepaids$12,758.13
Total buyer cash needed$34,670.27
Remaining funds due$34,670.27
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 (2 days)$179.63
Fees + prepaids$12,758.13
Your down payment is the seller’s equity. You take over the $517,088 balance, so the rest of the $539,000 price is paid at closing. A second mortgage can cover part of it. $34,670.27 is due at closing. Uses and sources reconcile at $551,758.13 each. Not a Closing Disclosure.