Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$71,203Cash toward the purchase price.
Closing costs + prepaids$12,715Not just lender fees.
Before credits & paid funds$83,918The complete starting cash picture.
Estimated remaining funds due at closing
$83,918No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$71,203.42
Your down payment$71,203.42
Closing costs + prepaids$12,714.55
Total buyer cash needed$83,917.96
Remaining funds due$83,917.96
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,450.00
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)$612.75
Prepaid interest, first (2 days)$176.80
Fees + prepaids$12,714.55
Your down payment is the seller’s equity. You take over the $473,797 balance, so the rest of the $545,000 price is paid at closing. A second mortgage can cover part of it. $83,917.96 is due at closing. Uses and sources reconcile at $557,714.55 each. Not a Closing Disclosure.