Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$51,518Cash toward the purchase price.
Closing costs + prepaids$13,661Not just lender fees.
Before credits & paid funds$65,180The complete starting cash picture.
Estimated remaining funds due at closing
$65,180No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,518.34
Your down payment$51,518.34
Closing costs + prepaids$13,661.27
Total buyer cash needed$65,179.61
Remaining funds due$65,179.61
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)$646.75
Initial HOA (3 months)$240.00
Prepaid interest, first (10 days)$909.52
Fees + prepaids$13,661.27
Your down payment is the seller’s equity. You take over the $487,482 balance, so the rest of the $539,000 price is paid at closing. A second mortgage can cover part of it. $65,179.61 is due at closing. Uses and sources reconcile at $552,661.27 each. Not a Closing Disclosure.