Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$314,111Cash toward the purchase price.
Closing costs + prepaids$13,331Not just lender fees.
Before credits & paid funds$327,442The complete starting cash picture.
Estimated remaining funds due at closing
$327,442No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$314,111.48
Your down payment$314,111.48
Closing costs + prepaids$13,330.82
Total buyer cash needed$327,442.30
Remaining funds due$327,442.30
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)$686.25
Prepaid interest, first (16 days)$679.57
Fees + prepaids$13,330.82
Your down payment is the seller’s equity. You take over the $234,889 balance, so the rest of the $549,000 price is paid at closing. A second mortgage can cover part of it. $327,442.30 is due at closing. Uses and sources reconcile at $562,330.82 each. Not a Closing Disclosure.