Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$203,989Cash toward the purchase price.
Closing costs + prepaids$13,736Not just lender fees.
Before credits & paid funds$217,725The complete starting cash picture.
Estimated remaining funds due at closing
$217,725No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$203,989.15
Your down payment$203,989.15
Closing costs + prepaids$13,735.95
Total buyer cash needed$217,725.10
Remaining funds due$217,725.10
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)$605.75
Prepaid interest, first (18 days)$1,155.20
Fees + prepaids$13,735.95
Your down payment is the seller’s equity. You take over the $346,011 balance, so the rest of the $550,000 price is paid at closing. A second mortgage can cover part of it. $217,725.10 is due at closing. Uses and sources reconcile at $563,735.95 each. Not a Closing Disclosure.