Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$294,142Cash toward the purchase price.
Closing costs + prepaids$15,020Not just lender fees.
Before credits & paid funds$309,162The complete starting cash picture.
Estimated remaining funds due at closing
$309,162No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$294,142.40
Your down payment$294,142.40
Closing costs + prepaids$15,019.97
Total buyer cash needed$309,162.37
Remaining funds due$309,162.37
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)$2,445.25
Initial HOA (3 months)$31.26
Prepaid interest, first (27 days)$569.46
Fees + prepaids$15,019.97
Your down payment is the seller’s equity. You take over the $255,758 balance, so the rest of the $549,900 price is paid at closing. A second mortgage can cover part of it. $309,162.37 is due at closing. Uses and sources reconcile at $564,919.97 each. Not a Closing Disclosure.