Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$98,884Cash toward the purchase price.
Closing costs + prepaids$15,501Not just lender fees.
Before credits & paid funds$114,385The complete starting cash picture.
Estimated remaining funds due at closing
$114,385No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$98,884.31
Your down payment$98,884.31
Closing costs + prepaids$15,500.83
Total buyer cash needed$114,385.13
Remaining funds due$114,385.13
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,550.00
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)$1,187.50
Prepaid interest, first (28 days)$2,288.33
Fees + prepaids$15,500.83
Your down payment is the seller’s equity. You take over the $456,116 balance, so the rest of the $555,000 price is paid at closing. A second mortgage can cover part of it. $114,385.13 is due at closing. Uses and sources reconcile at $570,500.83 each. Not a Closing Disclosure.