Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$42,211Cash toward the purchase price.
Closing costs + prepaids$12,845Not just lender fees.
Before credits & paid funds$55,056The complete starting cash picture.
Estimated remaining funds due at closing
$55,056No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$42,210.79
Your down payment$42,210.79
Closing costs + prepaids$12,844.73
Total buyer cash needed$55,055.52
Remaining funds due$55,055.52
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)$541.50
Initial HOA (3 months)$342.00
Prepaid interest, first (1 days)$96.23
Fees + prepaids$12,844.73
Your down payment is the seller’s equity. You take over the $496,789 balance, so the rest of the $539,000 price is paid at closing. A second mortgage can cover part of it. $55,055.52 is due at closing. Uses and sources reconcile at $551,844.73 each. Not a Closing Disclosure.