Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$72,482Cash toward the purchase price.
Closing costs + prepaids$13,621Not just lender fees.
Before credits & paid funds$86,103The complete starting cash picture.
Estimated remaining funds due at closing
$86,103No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$72,482.13
Your down payment$72,482.13
Closing costs + prepaids$13,620.91
Total buyer cash needed$86,103.05
Remaining funds due$86,103.05
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)$985.91
Fees + prepaids$13,620.91
Your down payment is the seller’s equity. You take over the $477,518 balance, so the rest of the $550,000 price is paid at closing. A second mortgage can cover part of it. $86,103.05 is due at closing. Uses and sources reconcile at $563,620.91 each. Not a Closing Disclosure.