Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$165,581Cash toward the purchase price.
Closing costs + prepaids$13,981Not just lender fees.
Before credits & paid funds$179,562The complete starting cash picture.
Estimated remaining funds due at closing
$179,562No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$165,581.16
Your down payment$165,581.16
Closing costs + prepaids$13,981.06
Total buyer cash needed$179,562.22
Remaining funds due$179,562.22
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)$979.50
Prepaid interest, first (27 days)$1,026.56
Fees + prepaids$13,981.06
Your down payment is the seller’s equity. You take over the $384,419 balance, so the rest of the $550,000 price is paid at closing. A second mortgage can cover part of it. $179,562.22 is due at closing. Uses and sources reconcile at $563,981.06 each. Not a Closing Disclosure.