Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$101,812Cash toward the purchase price.
Closing costs + prepaids$15,281Not just lender fees.
Before credits & paid funds$117,093The complete starting cash picture.
Estimated remaining funds due at closing
$117,093No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$101,811.86
Your down payment$101,811.86
Closing costs + prepaids$15,281.24
Total buyer cash needed$117,093.10
Remaining funds due$117,093.10
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)$1,201.25
Prepaid interest, first (29 days)$2,154.99
Fees + prepaids$15,281.24
Your down payment is the seller’s equity. You take over the $443,188 balance, so the rest of the $545,000 price is paid at closing. A second mortgage can cover part of it. $117,093.10 is due at closing. Uses and sources reconcile at $560,281.24 each. Not a Closing Disclosure.