Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$150,535Cash toward the purchase price.
Closing costs + prepaids$14,118Not just lender fees.
Before credits & paid funds$164,653The complete starting cash picture.
Estimated remaining funds due at closing
$164,653No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$150,534.96
Your down payment$150,534.96
Closing costs + prepaids$14,117.94
Total buyer cash needed$164,652.90
Remaining funds due$164,652.90
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)$510.50
Prepaid interest, first (22 days)$1,632.44
Fees + prepaids$14,117.94
Your down payment is the seller’s equity. You take over the $399,465 balance, so the rest of the $550,000 price is paid at closing. A second mortgage can cover part of it. $164,652.90 is due at closing. Uses and sources reconcile at $564,117.94 each. Not a Closing Disclosure.