Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$102,607Cash toward the purchase price.
Closing costs + prepaids$15,057Not just lender fees.
Before credits & paid funds$117,664The complete starting cash picture.
Estimated remaining funds due at closing
$117,664No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$102,607.49
Your down payment$102,607.49
Closing costs + prepaids$15,056.83
Total buyer cash needed$117,664.32
Remaining funds due$117,664.32
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,496.15
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)$918.00
Prepaid interest, first (25 days)$2,167.68
Fees + prepaids$15,056.83
Your down payment is the seller’s equity. You take over the $447,008 balance, so the rest of the $549,615 price is paid at closing. A second mortgage can cover part of it. $117,664.32 is due at closing. Uses and sources reconcile at $564,671.83 each. Not a Closing Disclosure.