Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$362,333Cash toward the purchase price.
Closing costs + prepaids$13,715Not just lender fees.
Before credits & paid funds$376,048The complete starting cash picture.
Estimated remaining funds due at closing
$376,048No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$362,333.06
Your down payment$362,333.06
Closing costs + prepaids$13,714.66
Total buyer cash needed$376,047.72
Remaining funds due$376,047.72
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)$812.75
Initial HOA (3 months)$363.00
Prepaid interest, first (29 days)$613.91
Fees + prepaids$13,714.66
Your down payment is the seller’s equity. You take over the $182,667 balance, so the rest of the $545,000 price is paid at closing. A second mortgage can cover part of it. $376,047.72 is due at closing. Uses and sources reconcile at $558,714.66 each. Not a Closing Disclosure.