Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$83,521Cash toward the purchase price.
Closing costs + prepaids$13,498Not just lender fees.
Before credits & paid funds$97,019The complete starting cash picture.
Estimated remaining funds due at closing
$97,019No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$83,521.30
Your down payment$83,521.30
Closing costs + prepaids$13,497.87
Total buyer cash needed$97,019.17
Remaining funds due$97,019.17
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,550.00
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)$666.00
Initial HOA (3 months)$300.00
Prepaid interest, first (6 days)$506.87
Fees + prepaids$13,497.87
Your down payment is the seller’s equity. You take over the $471,479 balance, so the rest of the $555,000 price is paid at closing. A second mortgage can cover part of it. $97,019.17 is due at closing. Uses and sources reconcile at $568,497.87 each. Not a Closing Disclosure.