Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$240,809Cash toward the purchase price.
Closing costs + prepaids$15,477Not just lender fees.
Before credits & paid funds$256,286The complete starting cash picture.
Estimated remaining funds due at closing
$256,286No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$240,809.36
Your down payment$240,809.36
Closing costs + prepaids$15,476.72
Total buyer cash needed$256,286.07
Remaining funds due$256,286.07
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)$1,752.00
Initial HOA (3 months)$84.00
Prepaid interest, first (26 days)$1,666.72
Fees + prepaids$15,476.72
Your down payment is the seller’s equity. You take over the $309,091 balance, so the rest of the $549,900 price is paid at closing. A second mortgage can cover part of it. $256,286.07 is due at closing. Uses and sources reconcile at $565,376.72 each. Not a Closing Disclosure.