Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$76,925Cash toward the purchase price.
Closing costs + prepaids$13,664Not just lender fees.
Before credits & paid funds$90,589The complete starting cash picture.
Estimated remaining funds due at closing
$90,589No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$76,924.75
Your down payment$76,924.75
Closing costs + prepaids$13,663.92
Total buyer cash needed$90,588.67
Remaining funds due$90,588.67
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
Prepaid interest, first (12 days)$972.92
Fees + prepaids$13,663.92
Your down payment is the seller’s equity. You take over the $478,075 balance, so the rest of the $555,000 price is paid at closing. A second mortgage can cover part of it. $90,588.67 is due at closing. Uses and sources reconcile at $568,663.92 each. Not a Closing Disclosure.