Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$188,353Cash toward the purchase price.
Closing costs + prepaids$14,439Not just lender fees.
Before credits & paid funds$202,792The complete starting cash picture.
Estimated remaining funds due at closing
$202,792No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$188,353.10
Your down payment$188,353.10
Closing costs + prepaids$14,438.71
Total buyer cash needed$202,791.81
Remaining funds due$202,791.81
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)$1,350.00
Initial HOA (3 months)$1,185.00
Prepaid interest, first (1 days)$28.71
Fees + prepaids$14,438.71
Your down payment is the seller’s equity. You take over the $351,647 balance, so the rest of the $540,000 price is paid at closing. A second mortgage can cover part of it. $202,791.81 is due at closing. Uses and sources reconcile at $554,438.71 each. Not a Closing Disclosure.