Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$66,342Cash toward the purchase price.
Closing costs + prepaids$13,747Not just lender fees.
Before credits & paid funds$80,090The complete starting cash picture.
Estimated remaining funds due at closing
$80,090No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$66,342.47
Your down payment$66,342.47
Closing costs + prepaids$13,747.22
Total buyer cash needed$80,089.69
Remaining funds due$80,089.69
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,399.00
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)$648.00
Initial HOA (3 months)$330.00
Prepaid interest, first (10 days)$895.22
Fees + prepaids$13,747.22
Your down payment is the seller’s equity. You take over the $473,558 balance, so the rest of the $539,900 price is paid at closing. A second mortgage can cover part of it. $80,089.69 is due at closing. Uses and sources reconcile at $553,647.22 each. Not a Closing Disclosure.