Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$63,712Cash toward the purchase price.
Closing costs + prepaids$14,720Not just lender fees.
Before credits & paid funds$78,432The complete starting cash picture.
Estimated remaining funds due at closing
$78,432No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$63,711.83
Your down payment$63,711.83
Closing costs + prepaids$14,719.73
Total buyer cash needed$78,431.56
Remaining funds due$78,431.56
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)$535.00
Initial HOA (3 months)$504.00
Prepaid interest, first (21 days)$1,815.73
Fees + prepaids$14,719.73
Your down payment is the seller’s equity. You take over the $475,288 balance, so the rest of the $539,000 price is paid at closing. A second mortgage can cover part of it. $78,431.56 is due at closing. Uses and sources reconcile at $553,719.73 each. Not a Closing Disclosure.