Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$329,821Cash toward the purchase price.
Closing costs + prepaids$14,955Not just lender fees.
Before credits & paid funds$344,776The complete starting cash picture.
Estimated remaining funds due at closing
$344,776No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$329,820.78
Your down payment$329,820.78
Closing costs + prepaids$14,955.04
Total buyer cash needed$344,775.81
Remaining funds due$344,775.81
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)$2,577.00
Initial HOA (3 months)$12.51
Prepaid interest, first (23 days)$400.53
Fees + prepaids$14,955.04
Your down payment is the seller’s equity. You take over the $219,179 balance, so the rest of the $549,000 price is paid at closing. A second mortgage can cover part of it. $344,775.81 is due at closing. Uses and sources reconcile at $563,955.04 each. Not a Closing Disclosure.