Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$210,190Cash toward the purchase price.
Closing costs + prepaids$14,897Not just lender fees.
Before credits & paid funds$225,087The complete starting cash picture.
Estimated remaining funds due at closing
$225,087No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$210,189.86
Your down payment$210,189.86
Closing costs + prepaids$14,897.45
Total buyer cash needed$225,087.31
Remaining funds due$225,087.31
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)$1,658.00
Initial HOA (3 months)$95.01
Prepaid interest, first (23 days)$1,219.44
Fees + prepaids$14,897.45
Your down payment is the seller’s equity. You take over the $334,810 balance, so the rest of the $545,000 price is paid at closing. A second mortgage can cover part of it. $225,087.31 is due at closing. Uses and sources reconcile at $559,897.45 each. Not a Closing Disclosure.