Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$92,718Cash toward the purchase price.
Closing costs + prepaids$13,216Not just lender fees.
Before credits & paid funds$105,935The complete starting cash picture.
Estimated remaining funds due at closing
$105,935No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$92,718.28
Your down payment$92,718.28
Closing costs + prepaids$13,216.37
Total buyer cash needed$105,934.65
Remaining funds due$105,934.65
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
Initial HOA (3 months)$87.51
Prepaid interest, first (6 days)$493.86
Fees + prepaids$13,216.37
Your down payment is the seller’s equity. You take over the $457,282 balance, so the rest of the $550,000 price is paid at closing. A second mortgage can cover part of it. $105,934.65 is due at closing. Uses and sources reconcile at $563,216.37 each. Not a Closing Disclosure.