Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$68,809Cash toward the purchase price.
Closing costs + prepaids$15,790Not just lender fees.
Before credits & paid funds$84,598The complete starting cash picture.
Estimated remaining funds due at closing
$84,598No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$68,808.65
Your down payment$68,808.65
Closing costs + prepaids$15,789.79
Total buyer cash needed$84,598.43
Remaining funds due$84,598.43
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 (28 days)$2,502.29
Fees + prepaids$15,789.79
Your down payment is the seller’s equity. You take over the $476,191 balance, so the rest of the $545,000 price is paid at closing. A second mortgage can cover part of it. $84,598.43 is due at closing. Uses and sources reconcile at $560,789.79 each. Not a Closing Disclosure.