Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$200,649Cash toward the purchase price.
Closing costs + prepaids$14,132Not just lender fees.
Before credits & paid funds$214,781The complete starting cash picture.
Estimated remaining funds due at closing
$214,781No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$200,649.19
Your down payment$200,649.19
Closing costs + prepaids$14,131.84
Total buyer cash needed$214,781.02
Remaining funds due$214,781.02
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,490.00
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)$1,372.50
Prepaid interest, first (29 days)$794.34
Fees + prepaids$14,131.84
Your down payment is the seller’s equity. You take over the $348,351 balance, so the rest of the $549,000 price is paid at closing. A second mortgage can cover part of it. $214,781.02 is due at closing. Uses and sources reconcile at $563,131.84 each. Not a Closing Disclosure.