Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$207,807Cash toward the purchase price.
Closing costs + prepaids$13,715Not just lender fees.
Before credits & paid funds$221,522The complete starting cash picture.
Estimated remaining funds due at closing
$221,522No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$207,806.64
Your down payment$207,806.64
Closing costs + prepaids$13,715.07
Total buyer cash needed$221,521.71
Remaining funds due$221,521.71
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)$735.50
Initial HOA (3 months)$180.00
Prepaid interest, first (24 days)$834.57
Fees + prepaids$13,715.07
Your down payment is the seller’s equity. You take over the $341,193 balance, so the rest of the $549,000 price is paid at closing. A second mortgage can cover part of it. $221,521.71 is due at closing. Uses and sources reconcile at $562,715.07 each. Not a Closing Disclosure.