Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$59,094Cash toward the purchase price.
Closing costs + prepaids$15,091Not just lender fees.
Before credits & paid funds$74,186The complete starting cash picture.
Estimated remaining funds due at closing
$74,186No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$59,094.19
Your down payment$59,094.19
Closing costs + prepaids$15,091.48
Total buyer cash needed$74,185.68
Remaining funds due$74,185.68
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)$744.25
Prepaid interest, first (31 days)$2,482.23
Fees + prepaids$15,091.48
Your down payment is the seller’s equity. You take over the $479,906 balance, so the rest of the $539,000 price is paid at closing. A second mortgage can cover part of it. $74,185.68 is due at closing. Uses and sources reconcile at $554,091.48 each. Not a Closing Disclosure.