Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$112,469Cash toward the purchase price.
Closing costs + prepaids$14,281Not just lender fees.
Before credits & paid funds$126,749The complete starting cash picture.
Estimated remaining funds due at closing
$126,749No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$112,468.50
Your down payment$112,468.50
Closing costs + prepaids$14,280.90
Total buyer cash needed$126,749.40
Remaining funds due$126,749.40
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)$826.25
Initial HOA (3 months)$180.00
Prepaid interest, first (26 days)$1,299.65
Fees + prepaids$14,280.90
Your down payment is the seller’s equity. You take over the $437,531 balance, so the rest of the $550,000 price is paid at closing. A second mortgage can cover part of it. $126,749.40 is due at closing. Uses and sources reconcile at $564,280.90 each. Not a Closing Disclosure.