Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$132,614Cash toward the purchase price.
Closing costs + prepaids$13,786Not just lender fees.
Before credits & paid funds$146,399The complete starting cash picture.
Estimated remaining funds due at closing
$146,399No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$132,613.65
Your down payment$132,613.65
Closing costs + prepaids$13,785.79
Total buyer cash needed$146,399.44
Remaining funds due$146,399.44
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)$681.25
Prepaid interest, first (15 days)$1,179.54
Fees + prepaids$13,785.79
Your down payment is the seller’s equity. You take over the $412,386 balance, so the rest of the $545,000 price is paid at closing. A second mortgage can cover part of it. $146,399.44 is due at closing. Uses and sources reconcile at $558,785.79 each. Not a Closing Disclosure.