Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$91,306Cash toward the purchase price.
Closing costs + prepaids$15,014Not just lender fees.
Before credits & paid funds$106,320The complete starting cash picture.
Estimated remaining funds due at closing
$106,320No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$91,306.44
Your down payment$91,306.44
Closing costs + prepaids$15,013.75
Total buyer cash needed$106,320.20
Remaining funds due$106,320.20
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,500.00
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)$832.50
Prepaid interest, first (28 days)$2,206.25
Fees + prepaids$15,013.75
Your down payment is the seller’s equity. You take over the $458,694 balance, so the rest of the $550,000 price is paid at closing. A second mortgage can cover part of it. $106,320.20 is due at closing. Uses and sources reconcile at $565,013.75 each. Not a Closing Disclosure.