Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$90,367Cash toward the purchase price.
Closing costs + prepaids$17,617Not just lender fees.
Before credits & paid funds$107,984The complete starting cash picture.
Estimated remaining funds due at closing
$107,984No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$90,366.81
Your down payment$90,366.81
Closing costs + prepaids$17,617.35
Total buyer cash needed$107,984.16
Remaining funds due$107,984.16
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
Initial HOA (3 months)$1,842.00
Prepaid interest, first (30 days)$2,425.35
Fees + prepaids$17,617.35
Your down payment is the seller’s equity. You take over the $459,633 balance, so the rest of the $550,000 price is paid at closing. A second mortgage can cover part of it. $107,984.16 is due at closing. Uses and sources reconcile at $567,617.35 each. Not a Closing Disclosure.