Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$96,165Cash toward the purchase price.
Closing costs + prepaids$15,627Not just lender fees.
Before credits & paid funds$111,792The complete starting cash picture.
Estimated remaining funds due at closing
$111,792No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$96,165.33
Your down payment$96,165.33
Closing costs + prepaids$15,626.95
Total buyer cash needed$111,792.28
Remaining funds due$111,792.28
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)$1,611.00
Prepaid interest, first (26 days)$2,090.95
Fees + prepaids$15,626.95
Your down payment is the seller’s equity. You take over the $448,835 balance, so the rest of the $545,000 price is paid at closing. A second mortgage can cover part of it. $111,792.28 is due at closing. Uses and sources reconcile at $560,626.95 each. Not a Closing Disclosure.