Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$83,521Cash toward the purchase price.
Closing costs + prepaids$16,854Not just lender fees.
Before credits & paid funds$100,376The complete starting cash picture.
Estimated remaining funds due at closing
$100,376No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$83,521.30
Your down payment$83,521.30
Closing costs + prepaids$16,854.36
Total buyer cash needed$100,375.66
Remaining funds due$100,375.66
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)$1,995.00
Initial HOA (3 months)$300.00
Prepaid interest, first (30 days)$2,534.36
Fees + prepaids$16,854.36
Your down payment is the seller’s equity. You take over the $471,479 balance, so the rest of the $555,000 price is paid at closing. A second mortgage can cover part of it. $100,375.66 is due at closing. Uses and sources reconcile at $571,854.36 each. Not a Closing Disclosure.