Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$62,991Cash toward the purchase price.
Closing costs + prepaids$13,388Not just lender fees.
Before credits & paid funds$76,379The complete starting cash picture.
Estimated remaining funds due at closing
$76,379No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$62,990.63
Your down payment$62,990.63
Closing costs + prepaids$13,387.89
Total buyer cash needed$76,378.51
Remaining funds due$76,378.51
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)$475.25
Initial HOA (3 months)$960.00
Prepaid interest, first (1 days)$87.64
Fees + prepaids$13,387.89
Your down payment is the seller’s equity. You take over the $476,009 balance, so the rest of the $539,000 price is paid at closing. A second mortgage can cover part of it. $76,378.51 is due at closing. Uses and sources reconcile at $552,387.89 each. Not a Closing Disclosure.