Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$164,355Cash toward the purchase price.
Closing costs + prepaids$13,727Not just lender fees.
Before credits & paid funds$178,082The complete starting cash picture.
Estimated remaining funds due at closing
$178,082No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$164,354.92
Your down payment$164,354.92
Closing costs + prepaids$13,727.19
Total buyer cash needed$178,082.11
Remaining funds due$178,082.11
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)$977.50
Initial HOA (3 months)$16.50
Prepaid interest, first (24 days)$758.19
Fees + prepaids$13,727.19
Your down payment is the seller’s equity. You take over the $385,645 balance, so the rest of the $550,000 price is paid at closing. A second mortgage can cover part of it. $178,082.11 is due at closing. Uses and sources reconcile at $563,727.19 each. Not a Closing Disclosure.