Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$140,861Cash toward the purchase price.
Closing costs + prepaids$12,286Not just lender fees.
Before credits & paid funds$153,147The complete starting cash picture.
Estimated remaining funds due at closing
$153,147No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$140,861.46
Your down payment$140,861.46
Closing costs + prepaids$12,285.93
Total buyer cash needed$153,147.39
Remaining funds due$153,147.39
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)$274.50
Prepaid interest, first (1 days)$36.43
Fees + prepaids$12,285.93
Your down payment is the seller’s equity. You take over the $409,139 balance, so the rest of the $550,000 price is paid at closing. A second mortgage can cover part of it. $153,147.39 is due at closing. Uses and sources reconcile at $562,285.93 each. Not a Closing Disclosure.