Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$135,475Cash toward the purchase price.
Closing costs + prepaids$14,621Not just lender fees.
Before credits & paid funds$150,097The complete starting cash picture.
Estimated remaining funds due at closing
$150,097No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$135,475.39
Your down payment$135,475.39
Closing costs + prepaids$14,621.46
Total buyer cash needed$150,096.85
Remaining funds due$150,096.85
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)$850.00
Initial HOA (3 months)$60.00
Prepaid interest, first (22 days)$1,736.46
Fees + prepaids$14,621.46
Your down payment is the seller’s equity. You take over the $414,525 balance, so the rest of the $550,000 price is paid at closing. A second mortgage can cover part of it. $150,096.85 is due at closing. Uses and sources reconcile at $564,621.46 each. Not a Closing Disclosure.