Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$405,038Cash toward the purchase price.
Closing costs + prepaids$12,906Not just lender fees.
Before credits & paid funds$417,944The complete starting cash picture.
Estimated remaining funds due at closing
$417,944No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$405,037.76
Your down payment$405,037.76
Closing costs + prepaids$12,905.76
Total buyer cash needed$417,943.52
Remaining funds due$417,943.52
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)$568.50
Initial HOA (3 months)$15.00
Prepaid interest, first (28 days)$397.26
Fees + prepaids$12,905.76
Your down payment is the seller’s equity. You take over the $139,962 balance, so the rest of the $545,000 price is paid at closing. A second mortgage can cover part of it. $417,943.52 is due at closing. Uses and sources reconcile at $557,905.76 each. Not a Closing Disclosure.