Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$339,559Cash toward the purchase price.
Closing costs + prepaids$13,991Not just lender fees.
Before credits & paid funds$353,550The complete starting cash picture.
Estimated remaining funds due at closing
$353,550No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$339,558.85
Your down payment$339,558.85
Closing costs + prepaids$13,991.36
Total buyer cash needed$353,550.21
Remaining funds due$353,550.21
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)$1,374.75
Prepaid interest, first (27 days)$642.61
Fees + prepaids$13,991.36
Your down payment is the seller’s equity. You take over the $210,341 balance, so the rest of the $549,900 price is paid at closing. A second mortgage can cover part of it. $353,550.21 is due at closing. Uses and sources reconcile at $563,891.36 each. Not a Closing Disclosure.