Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$427,253Cash toward the purchase price.
Closing costs + prepaids$13,305Not just lender fees.
Before credits & paid funds$440,559The complete starting cash picture.
Estimated remaining funds due at closing
$440,559No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$427,253.31
Your down payment$427,253.31
Closing costs + prepaids$13,305.27
Total buyer cash needed$440,558.58
Remaining funds due$440,558.58
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)$968.25
Prepaid interest, first (31 days)$412.02
Fees + prepaids$13,305.27
Your down payment is the seller’s equity. You take over the $117,747 balance, so the rest of the $545,000 price is paid at closing. A second mortgage can cover part of it. $440,558.58 is due at closing. Uses and sources reconcile at $558,305.27 each. Not a Closing Disclosure.