Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$63,217Cash toward the purchase price.
Closing costs + prepaids$14,443Not just lender fees.
Before credits & paid funds$77,659The complete starting cash picture.
Estimated remaining funds due at closing
$77,659No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$63,216.52
Your down payment$63,216.52
Closing costs + prepaids$14,442.75
Total buyer cash needed$77,659.27
Remaining funds due$77,659.27
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)$1,195.25
Initial HOA (3 months)$312.00
Prepaid interest, first (26 days)$960.50
Fees + prepaids$14,442.75
Your down payment is the seller’s equity. You take over the $486,783 balance, so the rest of the $550,000 price is paid at closing. A second mortgage can cover part of it. $77,659.27 is due at closing. Uses and sources reconcile at $564,442.75 each. Not a Closing Disclosure.