Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$131,396Cash toward the purchase price.
Closing costs + prepaids$15,991Not just lender fees.
Before credits & paid funds$147,387The complete starting cash picture.
Estimated remaining funds due at closing
$147,387No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$131,395.92
Your down payment$131,395.92
Closing costs + prepaids$15,990.78
Total buyer cash needed$147,386.70
Remaining funds due$147,386.70
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,490.00
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)$1,553.50
Initial HOA (3 months)$252.00
Prepaid interest, first (31 days)$2,220.28
Fees + prepaids$15,990.78
Your down payment is the seller’s equity. You take over the $417,604 balance, so the rest of the $549,000 price is paid at closing. A second mortgage can cover part of it. $147,386.70 is due at closing. Uses and sources reconcile at $564,990.78 each. Not a Closing Disclosure.