Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$183,629Cash toward the purchase price.
Closing costs + prepaids$13,514Not just lender fees.
Before credits & paid funds$197,143The complete starting cash picture.
Estimated remaining funds due at closing
$197,143No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$183,628.77
Your down payment$183,628.77
Closing costs + prepaids$13,514.46
Total buyer cash needed$197,143.23
Remaining funds due$197,143.23
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)$687.50
Prepaid interest, first (17 days)$852.96
Fees + prepaids$13,514.46
Your down payment is the seller’s equity. You take over the $366,271 balance, so the rest of the $549,900 price is paid at closing. A second mortgage can cover part of it. $197,143.23 is due at closing. Uses and sources reconcile at $563,414.46 each. Not a Closing Disclosure.