Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$170,488Cash toward the purchase price.
Closing costs + prepaids$15,730Not just lender fees.
Before credits & paid funds$186,218The complete starting cash picture.
Estimated remaining funds due at closing
$186,218No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$170,488.04
Your down payment$170,488.04
Closing costs + prepaids$15,729.52
Total buyer cash needed$186,217.56
Remaining funds due$186,217.56
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)$1,978.50
Initial HOA (3 months)$75.99
Prepaid interest, first (23 days)$1,650.03
Fees + prepaids$15,729.52
Your down payment is the seller’s equity. You take over the $384,512 balance, so the rest of the $555,000 price is paid at closing. A second mortgage can cover part of it. $186,217.56 is due at closing. Uses and sources reconcile at $570,729.52 each. Not a Closing Disclosure.