Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$110,426Cash toward the purchase price.
Closing costs + prepaids$15,011Not just lender fees.
Before credits & paid funds$125,437The complete starting cash picture.
Estimated remaining funds due at closing
$125,437No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$110,425.75
Your down payment$110,425.75
Closing costs + prepaids$15,011.19
Total buyer cash needed$125,436.94
Remaining funds due$125,436.94
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)$1,293.00
Initial HOA (3 months)$198.00
Prepaid interest, first (22 days)$1,595.19
Fees + prepaids$15,011.19
Your down payment is the seller’s equity. You take over the $434,574 balance, so the rest of the $545,000 price is paid at closing. A second mortgage can cover part of it. $125,436.94 is due at closing. Uses and sources reconcile at $560,011.19 each. Not a Closing Disclosure.