Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$8,137Cash toward the purchase price.
Closing costs + prepaids$15,557Not just lender fees.
Before credits & paid funds$23,694The complete starting cash picture.
Estimated remaining funds due at closing
$23,694No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$8,136.59
Your down payment$8,136.59
Closing costs + prepaids$15,557.33
Total buyer cash needed$23,693.92
Remaining funds due$23,693.92
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)$1,362.50
Prepaid interest, first (24 days)$2,269.83
Fees + prepaids$15,557.33
Your down payment is the seller’s equity. You take over the $536,863 balance, so the rest of the $545,000 price is paid at closing. A second mortgage can cover part of it. $23,693.92 is due at closing. Uses and sources reconcile at $560,557.33 each. Not a Closing Disclosure.