Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$38,181Cash toward the purchase price.
Closing costs + prepaids$13,479Not just lender fees.
Before credits & paid funds$51,660The complete starting cash picture.
Estimated remaining funds due at closing
$51,660No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,181.09
Your down payment$38,181.09
Closing costs + prepaids$13,478.81
Total buyer cash needed$51,659.90
Remaining funds due$51,659.90
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)$654.00
Initial HOA (3 months)$150.00
Prepaid interest, first (12 days)$749.81
Fees + prepaids$13,478.81
Your down payment is the seller’s equity. You take over the $506,819 balance, so the rest of the $545,000 price is paid at closing. A second mortgage can cover part of it. $51,659.90 is due at closing. Uses and sources reconcile at $558,478.81 each. Not a Closing Disclosure.