Follow the dollars · Assumption only
A complete cash picture for Dec 25, 2026
Your down payment$113,260Cash toward the purchase price.
Closing costs + prepaids$13,089Not just lender fees.
Before credits & paid funds$126,350The complete starting cash picture.
Estimated remaining funds due at closing
$126,350No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$113,260.18
Your down payment$113,260.18
Closing costs + prepaids$13,089.34
Total buyer cash needed$126,349.52
Remaining funds due$126,349.52
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)$648.00
Prepaid interest, first (7 days)$566.34
Fees + prepaids$13,089.34
Your down payment is the seller’s equity. You take over the $426,740 balance, so the rest of the $540,000 price is paid at closing. A second mortgage can cover part of it. $126,349.52 is due at closing. Uses and sources reconcile at $553,089.34 each. Not a Closing Disclosure.