Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$46,723Cash toward the purchase price.
Closing costs + prepaids$13,929Not just lender fees.
Before credits & paid funds$60,652The complete starting cash picture.
Estimated remaining funds due at closing
$60,652No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$46,723.25
Your down payment$46,723.25
Closing costs + prepaids$13,928.74
Total buyer cash needed$60,651.99
Remaining funds due$60,651.99
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)$528.50
Prepaid interest, first (18 days)$1,525.24
Fees + prepaids$13,928.74
Your down payment is the seller’s equity. You take over the $493,277 balance, so the rest of the $540,000 price is paid at closing. A second mortgage can cover part of it. $60,651.99 is due at closing. Uses and sources reconcile at $553,928.74 each. Not a Closing Disclosure.