Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$339,920Cash toward the purchase price.
Closing costs + prepaids$13,839Not just lender fees.
Before credits & paid funds$353,760The complete starting cash picture.
Estimated remaining funds due at closing
$353,760No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$339,920.24
Your down payment$339,920.24
Closing costs + prepaids$13,839.45
Total buyer cash needed$353,759.69
Remaining funds due$353,759.69
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,499.00
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)$950.50
Initial HOA (3 months)$390.00
Prepaid interest, first (25 days)$524.95
Fees + prepaids$13,839.45
Your down payment is the seller’s equity. You take over the $209,980 balance, so the rest of the $549,900 price is paid at closing. A second mortgage can cover part of it. $353,759.69 is due at closing. Uses and sources reconcile at $563,739.45 each. Not a Closing Disclosure.