Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$364,219Cash toward the purchase price.
Closing costs + prepaids$13,065Not just lender fees.
Before credits & paid funds$377,284The complete starting cash picture.
Estimated remaining funds due at closing
$377,284No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$364,219.46
Your down payment$364,219.46
Closing costs + prepaids$13,064.85
Total buyer cash needed$377,284.31
Remaining funds due$377,284.31
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)$729.75
Prepaid interest, first (23 days)$410.10
Fees + prepaids$13,064.85
Your down payment is the seller’s equity. You take over the $180,781 balance, so the rest of the $545,000 price is paid at closing. A second mortgage can cover part of it. $377,284.31 is due at closing. Uses and sources reconcile at $558,064.85 each. Not a Closing Disclosure.