Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$75,303Cash toward the purchase price.
Closing costs + prepaids$15,646Not just lender fees.
Before credits & paid funds$90,949The complete starting cash picture.
Estimated remaining funds due at closing
$90,949No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$75,303.11
Your down payment$75,303.11
Closing costs + prepaids$15,645.97
Total buyer cash needed$90,949.08
Remaining funds due$90,949.08
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)$1,375.00
Prepaid interest, first (26 days)$2,295.97
Fees + prepaids$15,645.97
Your down payment is the seller’s equity. You take over the $474,697 balance, so the rest of the $550,000 price is paid at closing. A second mortgage can cover part of it. $90,949.08 is due at closing. Uses and sources reconcile at $565,645.97 each. Not a Closing Disclosure.