Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$42,083Cash toward the purchase price.
Closing costs + prepaids$12,718Not just lender fees.
Before credits & paid funds$54,801The complete starting cash picture.
Estimated remaining funds due at closing
$54,801No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$42,083.07
Your down payment$42,083.07
Closing costs + prepaids$12,718.34
Total buyer cash needed$54,801.41
Remaining funds due$54,801.41
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)$434.00
Initial HOA (3 months)$315.00
Prepaid interest, first (1 days)$95.34
Fees + prepaids$12,718.34
Your down payment is the seller’s equity. You take over the $497,817 balance, so the rest of the $539,900 price is paid at closing. A second mortgage can cover part of it. $54,801.41 is due at closing. Uses and sources reconcile at $552,618.34 each. Not a Closing Disclosure.