Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$147,634Cash toward the purchase price.
Closing costs + prepaids$13,661Not just lender fees.
Before credits & paid funds$161,295The complete starting cash picture.
Estimated remaining funds due at closing
$161,295No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$147,634.08
Your down payment$147,634.08
Closing costs + prepaids$13,661.14
Total buyer cash needed$161,295.22
Remaining funds due$161,295.22
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)$335.25
Prepaid interest, first (31 days)$1,300.89
Fees + prepaids$13,661.14
Your down payment is the seller’s equity. You take over the $407,366 balance, so the rest of the $555,000 price is paid at closing. A second mortgage can cover part of it. $161,295.22 is due at closing. Uses and sources reconcile at $568,661.14 each. Not a Closing Disclosure.