Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$189,231Cash toward the purchase price.
Closing costs + prepaids$13,332Not just lender fees.
Before credits & paid funds$202,563The complete starting cash picture.
Estimated remaining funds due at closing
$202,563No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$189,230.85
Your down payment$189,230.85
Closing costs + prepaids$13,331.93
Total buyer cash needed$202,562.78
Remaining funds due$202,562.78
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
Initial HOA (3 months)$270.00
Prepaid interest, first (17 days)$455.68
Fees + prepaids$13,331.93
Your down payment is the seller’s equity. You take over the $355,769 balance, so the rest of the $545,000 price is paid at closing. A second mortgage can cover part of it. $202,562.78 is due at closing. Uses and sources reconcile at $558,331.93 each. Not a Closing Disclosure.