Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$186,610Cash toward the purchase price.
Closing costs + prepaids$13,362Not just lender fees.
Before credits & paid funds$199,972The complete starting cash picture.
Estimated remaining funds due at closing
$199,972No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$186,610.02
Your down payment$186,610.02
Closing costs + prepaids$13,362.23
Total buyer cash needed$199,972.25
Remaining funds due$199,972.25
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 (19 days)$964.73
Fees + prepaids$13,362.23
Your down payment is the seller’s equity. You take over the $363,390 balance, so the rest of the $550,000 price is paid at closing. A second mortgage can cover part of it. $199,972.25 is due at closing. Uses and sources reconcile at $563,362.23 each. Not a Closing Disclosure.