Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$391,125Cash toward the purchase price.
Closing costs + prepaids$15,019Not just lender fees.
Before credits & paid funds$406,145The complete starting cash picture.
Estimated remaining funds due at closing
$406,145No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$391,125.22
Your down payment$391,125.22
Closing costs + prepaids$15,019.38
Total buyer cash needed$406,144.60
Remaining funds due$406,144.60
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,400.00
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)$1,044.25
Initial HOA (3 months)$1,503.00
Prepaid interest, first (30 days)$597.13
Fees + prepaids$15,019.38
Your down payment is the seller’s equity. You take over the $148,875 balance, so the rest of the $540,000 price is paid at closing. A second mortgage can cover part of it. $406,144.60 is due at closing. Uses and sources reconcile at $555,019.38 each. Not a Closing Disclosure.