Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$88,281Cash toward the purchase price.
Closing costs + prepaids$15,271Not just lender fees.
Before credits & paid funds$103,552The complete starting cash picture.
Estimated remaining funds due at closing
$103,552No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$88,280.97
Your down payment$88,280.97
Closing costs + prepaids$15,271.47
Total buyer cash needed$103,552.44
Remaining funds due$103,552.44
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,550.00
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)$896.00
Prepaid interest, first (26 days)$2,350.47
Fees + prepaids$15,271.47
Your down payment is the seller’s equity. You take over the $466,719 balance, so the rest of the $555,000 price is paid at closing. A second mortgage can cover part of it. $103,552.44 is due at closing. Uses and sources reconcile at $570,271.47 each. Not a Closing Disclosure.