Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$440,811Cash toward the purchase price.
Closing costs + prepaids$12,762Not just lender fees.
Before credits & paid funds$453,572The complete starting cash picture.
Estimated remaining funds due at closing
$453,572No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$440,810.64
Your down payment$440,810.64
Closing costs + prepaids$12,761.75
Total buyer cash needed$453,572.39
Remaining funds due$453,572.39
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,400.00
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)$675.00
Prepaid interest, first (16 days)$211.75
Fees + prepaids$12,761.75
Your down payment is the seller’s equity. You take over the $99,189 balance, so the rest of the $540,000 price is paid at closing. A second mortgage can cover part of it. $453,572.39 is due at closing. Uses and sources reconcile at $552,761.75 each. Not a Closing Disclosure.