Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$217,883Cash toward the purchase price.
Closing costs + prepaids$13,346Not just lender fees.
Before credits & paid funds$231,229The complete starting cash picture.
Estimated remaining funds due at closing
$231,229No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$217,883.34
Your down payment$217,883.34
Closing costs + prepaids$13,345.57
Total buyer cash needed$231,228.91
Remaining funds due$231,228.91
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)$1,362.50
Prepaid interest, first (2 days)$58.07
Fees + prepaids$13,345.57
Your down payment is the seller’s equity. You take over the $327,117 balance, so the rest of the $545,000 price is paid at closing. A second mortgage can cover part of it. $231,228.91 is due at closing. Uses and sources reconcile at $558,345.57 each. Not a Closing Disclosure.