Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$330,517Cash toward the purchase price.
Closing costs + prepaids$13,789Not just lender fees.
Before credits & paid funds$344,305The complete starting cash picture.
Estimated remaining funds due at closing
$344,305No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$330,516.96
Your down payment$330,516.96
Closing costs + prepaids$13,788.53
Total buyer cash needed$344,305.49
Remaining funds due$344,305.49
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)$1,052.50
Prepaid interest, first (28 days)$761.03
Fees + prepaids$13,788.53
Your down payment is the seller’s equity. You take over the $219,483 balance, so the rest of the $550,000 price is paid at closing. A second mortgage can cover part of it. $344,305.49 is due at closing. Uses and sources reconcile at $563,788.53 each. Not a Closing Disclosure.