Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$61,872Cash toward the purchase price.
Closing costs + prepaids$16,172Not just lender fees.
Before credits & paid funds$78,044The complete starting cash picture.
Estimated remaining funds due at closing
$78,044No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$61,872.20
Your down payment$61,872.20
Closing costs + prepaids$16,172.27
Total buyer cash needed$78,044.47
Remaining funds due$78,044.47
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)$1,663.50
Initial HOA (3 months)$150.00
Prepaid interest, first (27 days)$2,433.77
Fees + prepaids$16,172.27
Your down payment is the seller’s equity. You take over the $483,128 balance, so the rest of the $545,000 price is paid at closing. A second mortgage can cover part of it. $78,044.47 is due at closing. Uses and sources reconcile at $561,172.27 each. Not a Closing Disclosure.