Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$239,679Cash toward the purchase price.
Closing costs + prepaids$13,626Not just lender fees.
Before credits & paid funds$253,305The complete starting cash picture.
Estimated remaining funds due at closing
$253,305No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$239,679.19
Your down payment$239,679.19
Closing costs + prepaids$13,626.06
Total buyer cash needed$253,305.25
Remaining funds due$253,305.25
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)$802.50
Initial HOA (3 months)$225.00
Prepaid interest, first (28 days)$633.56
Fees + prepaids$13,626.06
Your down payment is the seller’s equity. You take over the $309,321 balance, so the rest of the $549,000 price is paid at closing. A second mortgage can cover part of it. $253,305.25 is due at closing. Uses and sources reconcile at $562,626.06 each. Not a Closing Disclosure.