Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$243,336Cash toward the purchase price.
Closing costs + prepaids$14,163Not just lender fees.
Before credits & paid funds$257,499The complete starting cash picture.
Estimated remaining funds due at closing
$257,499No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$243,336.18
Your down payment$243,336.18
Closing costs + prepaids$14,162.62
Total buyer cash needed$257,498.80
Remaining funds due$257,498.80
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,500.00
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)$1,375.00
Prepaid interest, first (26 days)$812.62
Fees + prepaids$14,162.62
Your down payment is the seller’s equity. You take over the $306,664 balance, so the rest of the $550,000 price is paid at closing. A second mortgage can cover part of it. $257,498.80 is due at closing. Uses and sources reconcile at $564,162.62 each. Not a Closing Disclosure.