Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$77,668Cash toward the purchase price.
Closing costs + prepaids$16,046Not just lender fees.
Before credits & paid funds$93,714The complete starting cash picture.
Estimated remaining funds due at closing
$93,714No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$77,668.17
Your down payment$77,668.17
Closing costs + prepaids$16,045.79
Total buyer cash needed$93,713.96
Remaining funds due$93,713.96
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)$1,375.00
Prepaid interest, first (31 days)$2,695.79
Fees + prepaids$16,045.79
Your down payment is the seller’s equity. You take over the $472,332 balance, so the rest of the $550,000 price is paid at closing. A second mortgage can cover part of it. $93,713.96 is due at closing. Uses and sources reconcile at $566,045.79 each. Not a Closing Disclosure.