Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$325,630Cash toward the purchase price.
Closing costs + prepaids$14,154Not just lender fees.
Before credits & paid funds$339,784The complete starting cash picture.
Estimated remaining funds due at closing
$339,784No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$325,630.38
Your down payment$325,630.38
Closing costs + prepaids$14,153.75
Total buyer cash needed$339,784.13
Remaining funds due$339,784.13
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)$1,372.50
Prepaid interest, first (27 days)$816.25
Fees + prepaids$14,153.75
Your down payment is the seller’s equity. You take over the $223,370 balance, so the rest of the $549,000 price is paid at closing. A second mortgage can cover part of it. $339,784.13 is due at closing. Uses and sources reconcile at $563,153.75 each. Not a Closing Disclosure.