Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$277,714Cash toward the purchase price.
Closing costs + prepaids$14,001Not just lender fees.
Before credits & paid funds$291,714The complete starting cash picture.
Estimated remaining funds due at closing
$291,714No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$277,713.82
Your down payment$277,713.82
Closing costs + prepaids$14,000.63
Total buyer cash needed$291,714.45
Remaining funds due$291,714.45
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)$1,330.50
Initial HOA (3 months)$24.99
Prepaid interest, first (24 days)$671.14
Fees + prepaids$14,000.63
Your down payment is the seller’s equity. You take over the $272,186 balance, so the rest of the $549,900 price is paid at closing. A second mortgage can cover part of it. $291,714.45 is due at closing. Uses and sources reconcile at $563,900.63 each. Not a Closing Disclosure.