Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$111,194Cash toward the purchase price.
Closing costs + prepaids$12,839Not just lender fees.
Before credits & paid funds$124,033The complete starting cash picture.
Estimated remaining funds due at closing
$124,033No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$111,194.00
Your down payment$111,194.00
Closing costs + prepaids$12,838.93
Total buyer cash needed$124,032.93
Remaining funds due$124,032.93
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)$658.75
Prepaid interest, first (6 days)$215.18
Fees + prepaids$12,838.93
Your down payment is the seller’s equity. You take over the $437,806 balance, so the rest of the $549,000 price is paid at closing. A second mortgage can cover part of it. $124,032.93 is due at closing. Uses and sources reconcile at $561,838.93 each. Not a Closing Disclosure.