Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$286,754Cash toward the purchase price.
Closing costs + prepaids$13,166Not just lender fees.
Before credits & paid funds$299,920The complete starting cash picture.
Estimated remaining funds due at closing
$299,920No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$286,753.98
Your down payment$286,753.98
Closing costs + prepaids$13,166.43
Total buyer cash needed$299,920.42
Remaining funds due$299,920.42
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,449.99
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)$681.25
Initial HOA (3 months)$132.00
Prepaid interest, first (17 days)$428.19
Fees + prepaids$13,166.43
Your down payment is the seller’s equity. You take over the $258,245 balance, so the rest of the $544,999 price is paid at closing. A second mortgage can cover part of it. $299,920.42 is due at closing. Uses and sources reconcile at $558,165.43 each. Not a Closing Disclosure.