Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$312,166Cash toward the purchase price.
Closing costs + prepaids$13,091Not just lender fees.
Before credits & paid funds$325,257The complete starting cash picture.
Estimated remaining funds due at closing
$325,257No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$312,165.95
Your down payment$312,165.95
Closing costs + prepaids$13,091.24
Total buyer cash needed$325,257.19
Remaining funds due$325,257.19
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)$533.00
Prepaid interest, first (23 days)$584.24
Fees + prepaids$13,091.24
Your down payment is the seller’s equity. You take over the $237,734 balance, so the rest of the $549,900 price is paid at closing. A second mortgage can cover part of it. $325,257.19 is due at closing. Uses and sources reconcile at $562,991.24 each. Not a Closing Disclosure.