Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$229,313Cash toward the purchase price.
Closing costs + prepaids$15,479Not just lender fees.
Before credits & paid funds$244,792The complete starting cash picture.
Estimated remaining funds due at closing
$244,792No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$229,313.22
Your down payment$229,313.22
Closing costs + prepaids$15,479.17
Total buyer cash needed$244,792.39
Remaining funds due$244,792.39
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
Initial HOA (3 months)$1,491.00
Prepaid interest, first (23 days)$650.67
Fees + prepaids$15,479.17
Your down payment is the seller’s equity. You take over the $319,687 balance, so the rest of the $549,000 price is paid at closing. A second mortgage can cover part of it. $244,792.39 is due at closing. Uses and sources reconcile at $564,479.17 each. Not a Closing Disclosure.