Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$141,153Cash toward the purchase price.
Closing costs + prepaids$13,647Not just lender fees.
Before credits & paid funds$154,799The complete starting cash picture.
Estimated remaining funds due at closing
$154,799No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$141,152.75
Your down payment$141,152.75
Closing costs + prepaids$13,646.62
Total buyer cash needed$154,799.37
Remaining funds due$154,799.37
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)$366.00
Prepaid interest, first (31 days)$1,305.62
Fees + prepaids$13,646.62
Your down payment is the seller’s equity. You take over the $408,847 balance, so the rest of the $550,000 price is paid at closing. A second mortgage can cover part of it. $154,799.37 is due at closing. Uses and sources reconcile at $563,646.62 each. Not a Closing Disclosure.