Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$299,523Cash toward the purchase price.
Closing costs + prepaids$14,250Not just lender fees.
Before credits & paid funds$313,773The complete starting cash picture.
Estimated remaining funds due at closing
$313,773No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$299,522.99
Your down payment$299,522.99
Closing costs + prepaids$14,250.30
Total buyer cash needed$313,773.29
Remaining funds due$313,773.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,540.00
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)$847.25
Initial HOA (3 months)$125.01
Prepaid interest, first (28 days)$1,263.04
Fees + prepaids$14,250.30
Your down payment is the seller’s equity. You take over the $254,477 balance, so the rest of the $554,000 price is paid at closing. A second mortgage can cover part of it. $313,773.29 is due at closing. Uses and sources reconcile at $568,250.30 each. Not a Closing Disclosure.