Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$192,596Cash toward the purchase price.
Closing costs + prepaids$15,177Not just lender fees.
Before credits & paid funds$207,773The complete starting cash picture.
Estimated remaining funds due at closing
$207,773No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$192,596.03
Your down payment$192,596.03
Closing costs + prepaids$15,176.96
Total buyer cash needed$207,773.00
Remaining funds due$207,773.00
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)$1,277.25
Initial HOA (3 months)$255.00
Prepaid interest, first (28 days)$1,669.71
Fees + prepaids$15,176.96
Your down payment is the seller’s equity. You take over the $357,404 balance, so the rest of the $550,000 price is paid at closing. A second mortgage can cover part of it. $207,773.00 is due at closing. Uses and sources reconcile at $565,176.96 each. Not a Closing Disclosure.