Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$159,870Cash toward the purchase price.
Closing costs + prepaids$13,657Not just lender fees.
Before credits & paid funds$173,527The complete starting cash picture.
Estimated remaining funds due at closing
$173,527No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$159,869.59
Your down payment$159,869.59
Closing costs + prepaids$13,657.42
Total buyer cash needed$173,527.01
Remaining funds due$173,527.01
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)$406.75
Prepaid interest, first (31 days)$1,275.67
Fees + prepaids$13,657.42
Your down payment is the seller’s equity. You take over the $390,130 balance, so the rest of the $550,000 price is paid at closing. A second mortgage can cover part of it. $173,527.01 is due at closing. Uses and sources reconcile at $563,657.42 each. Not a Closing Disclosure.