Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$182,751Cash toward the purchase price.
Closing costs + prepaids$14,380Not just lender fees.
Before credits & paid funds$197,131The complete starting cash picture.
Estimated remaining funds due at closing
$197,131No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$182,750.68
Your down payment$182,750.68
Closing costs + prepaids$14,380.40
Total buyer cash needed$197,131.08
Remaining funds due$197,131.08
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)$1,639.50
Initial HOA (3 months)$46.74
Prepaid interest, first (25 days)$769.16
Fees + prepaids$14,380.40
Your down payment is the seller’s equity. You take over the $362,249 balance, so the rest of the $545,000 price is paid at closing. A second mortgage can cover part of it. $197,131.08 is due at closing. Uses and sources reconcile at $559,380.40 each. Not a Closing Disclosure.