Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$113,948Cash toward the purchase price.
Closing costs + prepaids$13,848Not just lender fees.
Before credits & paid funds$127,797The complete starting cash picture.
Estimated remaining funds due at closing
$127,797No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$113,948.47
Your down payment$113,948.47
Closing costs + prepaids$13,848.12
Total buyer cash needed$127,796.59
Remaining funds due$127,796.59
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,499.00
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
Initial HOA (3 months)$261.00
Prepaid interest, first (12 days)$953.12
Fees + prepaids$13,848.12
Your down payment is the seller’s equity. You take over the $435,952 balance, so the rest of the $549,900 price is paid at closing. A second mortgage can cover part of it. $127,796.59 is due at closing. Uses and sources reconcile at $563,748.12 each. Not a Closing Disclosure.