Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$136,960Cash toward the purchase price.
Closing costs + prepaids$12,787Not just lender fees.
Before credits & paid funds$149,747The complete starting cash picture.
Estimated remaining funds due at closing
$149,747No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$136,960.03
Your down payment$136,960.03
Closing costs + prepaids$12,786.94
Total buyer cash needed$149,746.96
Remaining funds due$149,746.96
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)$515.75
Initial HOA (3 months)$249.00
Prepaid interest, first (1 days)$47.19
Fees + prepaids$12,786.94
Your down payment is the seller’s equity. You take over the $413,040 balance, so the rest of the $550,000 price is paid at closing. A second mortgage can cover part of it. $149,746.96 is due at closing. Uses and sources reconcile at $562,786.94 each. Not a Closing Disclosure.