Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$186,035Cash toward the purchase price.
Closing costs + prepaids$12,499Not just lender fees.
Before credits & paid funds$198,535The complete starting cash picture.
Estimated remaining funds due at closing
$198,535No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$186,035.46
Your down payment$186,035.46
Closing costs + prepaids$12,499.21
Total buyer cash needed$198,534.67
Remaining funds due$198,534.67
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)$422.50
Prepaid interest, first (2 days)$101.71
Fees + prepaids$12,499.21
Your down payment is the seller’s equity. You take over the $363,965 balance, so the rest of the $550,000 price is paid at closing. A second mortgage can cover part of it. $198,534.67 is due at closing. Uses and sources reconcile at $562,499.21 each. Not a Closing Disclosure.