Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$465,294Cash toward the purchase price.
Closing costs + prepaids$12,720Not just lender fees.
Before credits & paid funds$478,014The complete starting cash picture.
Estimated remaining funds due at closing
$478,014No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$465,294.20
Your down payment$465,294.20
Closing costs + prepaids$12,720.20
Total buyer cash needed$478,014.40
Remaining funds due$478,014.40
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)$501.00
Initial HOA (3 months)$123.00
Prepaid interest, first (20 days)$171.20
Fees + prepaids$12,720.20
Your down payment is the seller’s equity. You take over the $79,706 balance, so the rest of the $545,000 price is paid at closing. A second mortgage can cover part of it. $478,014.40 is due at closing. Uses and sources reconcile at $557,720.20 each. Not a Closing Disclosure.