Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$205,263Cash toward the purchase price.
Closing costs + prepaids$14,676Not just lender fees.
Before credits & paid funds$219,939The complete starting cash picture.
Estimated remaining funds due at closing
$219,939No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$205,262.67
Your down payment$205,262.67
Closing costs + prepaids$14,676.17
Total buyer cash needed$219,938.84
Remaining funds due$219,938.84
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,499.00
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)$1,749.25
Initial HOA (3 months)$294.99
Prepaid interest, first (26 days)$657.93
Fees + prepaids$14,676.17
Your down payment is the seller’s equity. You take over the $344,637 balance, so the rest of the $549,900 price is paid at closing. A second mortgage can cover part of it. $219,938.84 is due at closing. Uses and sources reconcile at $564,576.17 each. Not a Closing Disclosure.