Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$186,107Cash toward the purchase price.
Closing costs + prepaids$15,732Not just lender fees.
Before credits & paid funds$201,839The complete starting cash picture.
Estimated remaining funds due at closing
$201,839No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$186,106.76
Your down payment$186,106.76
Closing costs + prepaids$15,732.13
Total buyer cash needed$201,838.89
Remaining funds due$201,838.89
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
Initial HOA (3 months)$1,440.00
Prepaid interest, first (27 days)$942.13
Fees + prepaids$15,732.13
Your down payment is the seller’s equity. You take over the $363,893 balance, so the rest of the $550,000 price is paid at closing. A second mortgage can cover part of it. $201,838.89 is due at closing. Uses and sources reconcile at $565,732.13 each. Not a Closing Disclosure.