Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$91,306Cash toward the purchase price.
Closing costs + prepaids$13,108Not just lender fees.
Before credits & paid funds$104,414The complete starting cash picture.
Estimated remaining funds due at closing
$104,414No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$91,306.44
Your down payment$91,306.44
Closing costs + prepaids$13,107.77
Total buyer cash needed$104,414.21
Remaining funds due$104,414.21
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)$660.00
Prepaid interest, first (6 days)$472.77
Fees + prepaids$13,107.77
Your down payment is the seller’s equity. You take over the $458,694 balance, so the rest of the $550,000 price is paid at closing. A second mortgage can cover part of it. $104,414.21 is due at closing. Uses and sources reconcile at $563,107.77 each. Not a Closing Disclosure.