Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$81,615Cash toward the purchase price.
Closing costs + prepaids$13,381Not just lender fees.
Before credits & paid funds$94,996The complete starting cash picture.
Estimated remaining funds due at closing
$94,996No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$81,614.76
Your down payment$81,614.76
Closing costs + prepaids$13,380.97
Total buyer cash needed$94,995.73
Remaining funds due$94,995.73
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,505.00
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)$660.50
Initial HOA (3 months)$278.01
Prepaid interest, first (12 days)$462.46
Fees + prepaids$13,380.97
Your down payment is the seller’s equity. You take over the $468,885 balance, so the rest of the $550,500 price is paid at closing. A second mortgage can cover part of it. $94,995.73 is due at closing. Uses and sources reconcile at $563,880.97 each. Not a Closing Disclosure.