Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$241,123Cash toward the purchase price.
Closing costs + prepaids$14,910Not just lender fees.
Before credits & paid funds$256,033The complete starting cash picture.
Estimated remaining funds due at closing
$256,033No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$241,122.98
Your down payment$241,122.98
Closing costs + prepaids$14,910.13
Total buyer cash needed$256,033.11
Remaining funds due$256,033.11
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)$1,636.25
Initial HOA (3 months)$549.00
Prepaid interest, first (28 days)$750.88
Fees + prepaids$14,910.13
Your down payment is the seller’s equity. You take over the $308,777 balance, so the rest of the $549,900 price is paid at closing. A second mortgage can cover part of it. $256,033.11 is due at closing. Uses and sources reconcile at $564,810.13 each. Not a Closing Disclosure.