Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$112,339Cash toward the purchase price.
Closing costs + prepaids$15,276Not just lender fees.
Before credits & paid funds$127,616The complete starting cash picture.
Estimated remaining funds due at closing
$127,616No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$112,339.40
Your down payment$112,339.40
Closing costs + prepaids$15,276.50
Total buyer cash needed$127,615.90
Remaining funds due$127,615.90
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)$351.75
Initial HOA (3 months)$354.00
Prepaid interest, first (31 days)$2,645.75
Fees + prepaids$15,276.50
Your down payment is the seller’s equity. You take over the $432,661 balance, so the rest of the $545,000 price is paid at closing. A second mortgage can cover part of it. $127,615.90 is due at closing. Uses and sources reconcile at $560,276.50 each. Not a Closing Disclosure.