Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$147,634Cash toward the purchase price.
Closing costs + prepaids$13,069Not just lender fees.
Before credits & paid funds$160,703The complete starting cash picture.
Estimated remaining funds due at closing
$160,703No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$147,634.08
Your down payment$147,634.08
Closing costs + prepaids$13,068.68
Total buyer cash needed$160,702.76
Remaining funds due$160,702.76
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)$666.00
Prepaid interest, first (9 days)$377.68
Fees + prepaids$13,068.68
Your down payment is the seller’s equity. You take over the $407,366 balance, so the rest of the $555,000 price is paid at closing. A second mortgage can cover part of it. $160,702.76 is due at closing. Uses and sources reconcile at $568,068.68 each. Not a Closing Disclosure.