Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$217,989Cash toward the purchase price.
Closing costs + prepaids$13,179Not just lender fees.
Before credits & paid funds$231,168The complete starting cash picture.
Estimated remaining funds due at closing
$231,168No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$217,988.58
Your down payment$217,988.58
Closing costs + prepaids$13,179.12
Total buyer cash needed$231,167.69
Remaining funds due$231,167.69
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)$693.75
Prepaid interest, first (18 days)$460.37
Fees + prepaids$13,179.12
Your down payment is the seller’s equity. You take over the $337,011 balance, so the rest of the $555,000 price is paid at closing. A second mortgage can cover part of it. $231,167.69 is due at closing. Uses and sources reconcile at $568,179.12 each. Not a Closing Disclosure.