Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$200,649Cash toward the purchase price.
Closing costs + prepaids$13,831Not just lender fees.
Before credits & paid funds$214,480The complete starting cash picture.
Estimated remaining funds due at closing
$214,480No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$200,649.19
Your down payment$200,649.19
Closing costs + prepaids$13,830.54
Total buyer cash needed$214,479.72
Remaining funds due$214,479.72
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)$1,372.50
Prepaid interest, first (18 days)$493.04
Fees + prepaids$13,830.54
Your down payment is the seller’s equity. You take over the $348,351 balance, so the rest of the $549,000 price is paid at closing. A second mortgage can cover part of it. $214,479.72 is due at closing. Uses and sources reconcile at $562,830.54 each. Not a Closing Disclosure.