Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$339,569Cash toward the purchase price.
Closing costs + prepaids$13,620Not just lender fees.
Before credits & paid funds$353,190The complete starting cash picture.
Estimated remaining funds due at closing
$353,190No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$339,569.35
Your down payment$339,569.35
Closing costs + prepaids$13,620.39
Total buyer cash needed$353,189.74
Remaining funds due$353,189.74
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)$1,282.75
Prepaid interest, first (25 days)$462.64
Fees + prepaids$13,620.39
Your down payment is the seller’s equity. You take over the $200,431 balance, so the rest of the $540,000 price is paid at closing. A second mortgage can cover part of it. $353,189.74 is due at closing. Uses and sources reconcile at $553,620.39 each. Not a Closing Disclosure.