Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$301,106Cash toward the purchase price.
Closing costs + prepaids$13,228Not just lender fees.
Before credits & paid funds$314,333The complete starting cash picture.
Estimated remaining funds due at closing
$314,333No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$301,105.53
Your down payment$301,105.53
Closing costs + prepaids$13,227.59
Total buyer cash needed$314,333.11
Remaining funds due$314,333.11
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,490.00
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)$558.00
Initial HOA (3 months)$111.00
Prepaid interest, first (20 days)$593.59
Fees + prepaids$13,227.59
Your down payment is the seller’s equity. You take over the $247,894 balance, so the rest of the $549,000 price is paid at closing. A second mortgage can cover part of it. $314,333.11 is due at closing. Uses and sources reconcile at $562,227.59 each. Not a Closing Disclosure.