Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$361,031Cash toward the purchase price.
Closing costs + prepaids$13,892Not just lender fees.
Before credits & paid funds$374,923The complete starting cash picture.
Estimated remaining funds due at closing
$374,923No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$361,030.57
Your down payment$361,030.57
Closing costs + prepaids$13,892.08
Total buyer cash needed$374,922.65
Remaining funds due$374,922.65
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)$1,338.75
Initial HOA (3 months)$110.01
Prepaid interest, first (24 days)$478.32
Fees + prepaids$13,892.08
Your down payment is the seller’s equity. You take over the $187,969 balance, so the rest of the $549,000 price is paid at closing. A second mortgage can cover part of it. $374,922.65 is due at closing. Uses and sources reconcile at $562,892.08 each. Not a Closing Disclosure.