Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$92,193Cash toward the purchase price.
Closing costs + prepaids$12,657Not just lender fees.
Before credits & paid funds$104,850The complete starting cash picture.
Estimated remaining funds due at closing
$104,850No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$92,192.81
Your down payment$92,192.81
Closing costs + prepaids$12,656.92
Total buyer cash needed$104,849.73
Remaining funds due$104,849.73
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)$512.00
Initial HOA (3 months)$87.51
Prepaid interest, first (1 days)$82.41
Fees + prepaids$12,656.92
Your down payment is the seller’s equity. You take over the $457,807 balance, so the rest of the $550,000 price is paid at closing. A second mortgage can cover part of it. $104,849.73 is due at closing. Uses and sources reconcile at $562,656.92 each. Not a Closing Disclosure.