Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$170,824Cash toward the purchase price.
Closing costs + prepaids$12,806Not just lender fees.
Before credits & paid funds$183,630The complete starting cash picture.
Estimated remaining funds due at closing
$183,630No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$170,824.10
Your down payment$170,824.10
Closing costs + prepaids$12,806.36
Total buyer cash needed$183,630.46
Remaining funds due$183,630.46
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)$128.50
Prepaid interest, first (24 days)$752.86
Fees + prepaids$12,806.36
Your down payment is the seller’s equity. You take over the $374,176 balance, so the rest of the $545,000 price is paid at closing. A second mortgage can cover part of it. $183,630.46 is due at closing. Uses and sources reconcile at $557,806.36 each. Not a Closing Disclosure.