Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$101,049Cash toward the purchase price.
Closing costs + prepaids$13,875Not just lender fees.
Before credits & paid funds$114,924The complete starting cash picture.
Estimated remaining funds due at closing
$114,924No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$101,048.77
Your down payment$101,048.77
Closing costs + prepaids$13,874.77
Total buyer cash needed$114,923.54
Remaining funds due$114,923.54
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)$1,683.25
Initial HOA (3 months)$114.24
Prepaid interest, first (2 days)$152.28
Fees + prepaids$13,874.77
Your down payment is the seller’s equity. You take over the $443,951 balance, so the rest of the $545,000 price is paid at closing. A second mortgage can cover part of it. $114,923.54 is due at closing. Uses and sources reconcile at $558,874.77 each. Not a Closing Disclosure.