Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$323,744Cash toward the purchase price.
Closing costs + prepaids$13,573Not just lender fees.
Before credits & paid funds$337,317The complete starting cash picture.
Estimated remaining funds due at closing
$337,317No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$323,744.49
Your down payment$323,744.49
Closing costs + prepaids$13,572.77
Total buyer cash needed$337,317.26
Remaining funds due$337,317.26
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,500.00
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)$1,267.50
Prepaid interest, first (18 days)$330.27
Fees + prepaids$13,572.77
Your down payment is the seller’s equity. You take over the $226,256 balance, so the rest of the $550,000 price is paid at closing. A second mortgage can cover part of it. $337,317.26 is due at closing. Uses and sources reconcile at $563,572.77 each. Not a Closing Disclosure.