Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$218,643Cash toward the purchase price.
Closing costs + prepaids$13,954Not just lender fees.
Before credits & paid funds$232,597The complete starting cash picture.
Estimated remaining funds due at closing
$232,597No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$218,643.24
Your down payment$218,643.24
Closing costs + prepaids$13,953.80
Total buyer cash needed$232,597.05
Remaining funds due$232,597.05
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 (23 days)$666.30
Fees + prepaids$13,953.80
Your down payment is the seller’s equity. You take over the $326,357 balance, so the rest of the $545,000 price is paid at closing. A second mortgage can cover part of it. $232,597.05 is due at closing. Uses and sources reconcile at $558,953.80 each. Not a Closing Disclosure.