Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$281,278Cash toward the purchase price.
Closing costs + prepaids$13,034Not just lender fees.
Before credits & paid funds$294,312The complete starting cash picture.
Estimated remaining funds due at closing
$294,312No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$281,277.52
Your down payment$281,277.52
Closing costs + prepaids$13,034.33
Total buyer cash needed$294,311.85
Remaining funds due$294,311.85
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)$687.50
Prepaid interest, first (17 days)$372.83
Fees + prepaids$13,034.33
Your down payment is the seller’s equity. You take over the $268,622 balance, so the rest of the $549,900 price is paid at closing. A second mortgage can cover part of it. $294,311.85 is due at closing. Uses and sources reconcile at $562,934.33 each. Not a Closing Disclosure.