Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$46,403Cash toward the purchase price.
Closing costs + prepaids$12,850Not just lender fees.
Before credits & paid funds$59,254The complete starting cash picture.
Estimated remaining funds due at closing
$59,254No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$46,403.40
Your down payment$46,403.40
Closing costs + prepaids$12,850.20
Total buyer cash needed$59,253.60
Remaining funds due$59,253.60
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)$534.50
Initial HOA (3 months)$300.00
Prepaid interest, first (1 days)$90.70
Fees + prepaids$12,850.20
Your down payment is the seller’s equity. You take over the $498,597 balance, so the rest of the $545,000 price is paid at closing. A second mortgage can cover part of it. $59,253.60 is due at closing. Uses and sources reconcile at $557,850.20 each. Not a Closing Disclosure.