Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$259,393Cash toward the purchase price.
Closing costs + prepaids$13,745Not just lender fees.
Before credits & paid funds$273,138The complete starting cash picture.
Estimated remaining funds due at closing
$273,138No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$259,393.13
Your down payment$259,393.13
Closing costs + prepaids$13,744.79
Total buyer cash needed$273,137.92
Remaining funds due$273,137.92
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)$1,847.50
Prepaid interest, first (1 days)$22.29
Fees + prepaids$13,744.79
Your down payment is the seller’s equity. You take over the $280,607 balance, so the rest of the $540,000 price is paid at closing. A second mortgage can cover part of it. $273,137.92 is due at closing. Uses and sources reconcile at $553,744.79 each. Not a Closing Disclosure.