Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$226,652Cash toward the purchase price.
Closing costs + prepaids$14,218Not just lender fees.
Before credits & paid funds$240,870The complete starting cash picture.
Estimated remaining funds due at closing
$240,870No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$226,652.18
Your down payment$226,652.18
Closing costs + prepaids$14,217.72
Total buyer cash needed$240,869.90
Remaining funds due$240,869.90
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,400.00
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)$1,701.00
Prepaid interest, first (25 days)$641.72
Fees + prepaids$14,217.72
Your down payment is the seller’s equity. You take over the $313,348 balance, so the rest of the $540,000 price is paid at closing. A second mortgage can cover part of it. $240,869.90 is due at closing. Uses and sources reconcile at $554,217.72 each. Not a Closing Disclosure.