Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$85,229Cash toward the purchase price.
Closing costs + prepaids$14,140Not just lender fees.
Before credits & paid funds$99,369The complete starting cash picture.
Estimated remaining funds due at closing
$99,369No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$85,228.84
Your down payment$85,228.84
Closing costs + prepaids$14,140.18
Total buyer cash needed$99,369.02
Remaining funds due$99,369.02
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)$822.00
Initial HOA (3 months)$456.00
Prepaid interest, first (24 days)$937.18
Fees + prepaids$14,140.18
Your down payment is the seller’s equity. You take over the $459,771 balance, so the rest of the $545,000 price is paid at closing. A second mortgage can cover part of it. $99,369.02 is due at closing. Uses and sources reconcile at $559,140.18 each. Not a Closing Disclosure.