Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$113,948Cash toward the purchase price.
Closing costs + prepaids$13,372Not just lender fees.
Before credits & paid funds$127,320The complete starting cash picture.
Estimated remaining funds due at closing
$127,320No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$113,948.47
Your down payment$113,948.47
Closing costs + prepaids$13,371.56
Total buyer cash needed$127,320.03
Remaining funds due$127,320.03
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,499.00
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)$261.00
Prepaid interest, first (6 days)$476.56
Fees + prepaids$13,371.56
Your down payment is the seller’s equity. You take over the $435,952 balance, so the rest of the $549,900 price is paid at closing. A second mortgage can cover part of it. $127,320.03 is due at closing. Uses and sources reconcile at $563,271.56 each. Not a Closing Disclosure.