Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$142,928Cash toward the purchase price.
Closing costs + prepaids$15,217Not just lender fees.
Before credits & paid funds$158,145The complete starting cash picture.
Estimated remaining funds due at closing
$158,145No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$142,928.11
Your down payment$142,928.11
Closing costs + prepaids$15,216.80
Total buyer cash needed$158,144.91
Remaining funds due$158,144.91
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)$590.00
Initial HOA (3 months)$693.00
Prepaid interest, first (31 days)$2,068.80
Fees + prepaids$15,216.80
Your down payment is the seller’s equity. You take over the $396,072 balance, so the rest of the $539,000 price is paid at closing. A second mortgage can cover part of it. $158,144.91 is due at closing. Uses and sources reconcile at $554,216.80 each. Not a Closing Disclosure.