Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$239,679Cash toward the purchase price.
Closing costs + prepaids$13,261Not just lender fees.
Before credits & paid funds$252,940The complete starting cash picture.
Estimated remaining funds due at closing
$252,940No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$239,679.19
Your down payment$239,679.19
Closing costs + prepaids$13,260.91
Total buyer cash needed$252,940.10
Remaining funds due$252,940.10
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
Initial HOA (3 months)$225.00
Prepaid interest, first (17 days)$384.66
Fees + prepaids$13,260.91
Your down payment is the seller’s equity. You take over the $309,321 balance, so the rest of the $549,000 price is paid at closing. A second mortgage can cover part of it. $252,940.10 is due at closing. Uses and sources reconcile at $562,260.91 each. Not a Closing Disclosure.