Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$181,491Cash toward the purchase price.
Closing costs + prepaids$13,546Not just lender fees.
Before credits & paid funds$195,037The complete starting cash picture.
Estimated remaining funds due at closing
$195,037No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$181,491.14
Your down payment$181,491.14
Closing costs + prepaids$13,545.67
Total buyer cash needed$195,036.81
Remaining funds due$195,036.81
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)$854.67
Fees + prepaids$13,545.67
Your down payment is the seller’s equity. You take over the $373,509 balance, so the rest of the $555,000 price is paid at closing. A second mortgage can cover part of it. $195,036.81 is due at closing. Uses and sources reconcile at $568,545.67 each. Not a Closing Disclosure.