Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$142,614Cash toward the purchase price.
Closing costs + prepaids$14,368Not just lender fees.
Before credits & paid funds$156,982The complete starting cash picture.
Estimated remaining funds due at closing
$156,982No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$142,613.65
Your down payment$142,613.65
Closing costs + prepaids$14,368.15
Total buyer cash needed$156,981.80
Remaining funds due$156,981.80
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)$377.25
Prepaid interest, first (25 days)$1,965.90
Fees + prepaids$14,368.15
Your down payment is the seller’s equity. You take over the $412,386 balance, so the rest of the $555,000 price is paid at closing. A second mortgage can cover part of it. $156,981.80 is due at closing. Uses and sources reconcile at $569,368.15 each. Not a Closing Disclosure.