Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$146,837Cash toward the purchase price.
Closing costs + prepaids$12,402Not just lender fees.
Before credits & paid funds$159,239The complete starting cash picture.
Estimated remaining funds due at closing
$159,239No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$146,837.08
Your down payment$146,837.08
Closing costs + prepaids$12,402.30
Total buyer cash needed$159,239.38
Remaining funds due$159,239.38
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 (1 days)$42.05
Fees + prepaids$12,402.30
Your down payment is the seller’s equity. You take over the $408,163 balance, so the rest of the $555,000 price is paid at closing. A second mortgage can cover part of it. $159,239.38 is due at closing. Uses and sources reconcile at $567,402.30 each. Not a Closing Disclosure.