Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$92,921Cash toward the purchase price.
Closing costs + prepaids$14,876Not just lender fees.
Before credits & paid funds$107,797The complete starting cash picture.
Estimated remaining funds due at closing
$107,797No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$92,921.16
Your down payment$92,921.16
Closing costs + prepaids$14,875.87
Total buyer cash needed$107,797.03
Remaining funds due$107,797.03
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)$688.00
Prepaid interest, first (30 days)$2,262.87
Fees + prepaids$14,875.87
Your down payment is the seller’s equity. You take over the $452,079 balance, so the rest of the $545,000 price is paid at closing. A second mortgage can cover part of it. $107,797.03 is due at closing. Uses and sources reconcile at $559,875.87 each. Not a Closing Disclosure.