Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$139,645Cash toward the purchase price.
Closing costs + prepaids$13,013Not just lender fees.
Before credits & paid funds$152,658The complete starting cash picture.
Estimated remaining funds due at closing
$152,658No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$139,644.95
Your down payment$139,644.95
Closing costs + prepaids$13,012.75
Total buyer cash needed$152,657.70
Remaining funds due$152,657.70
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 (12 days)$377.75
Fees + prepaids$13,012.75
Your down payment is the seller’s equity. You take over the $410,355 balance, so the rest of the $550,000 price is paid at closing. A second mortgage can cover part of it. $152,657.70 is due at closing. Uses and sources reconcile at $563,012.75 each. Not a Closing Disclosure.