Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$331,827Cash toward the purchase price.
Closing costs + prepaids$13,262Not just lender fees.
Before credits & paid funds$345,089The complete starting cash picture.
Estimated remaining funds due at closing
$345,089No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$331,827.36
Your down payment$331,827.36
Closing costs + prepaids$13,262.01
Total buyer cash needed$345,089.37
Remaining funds due$345,089.37
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,400.00
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)$773.50
Prepaid interest, first (31 days)$613.51
Fees + prepaids$13,262.01
Your down payment is the seller’s equity. You take over the $208,173 balance, so the rest of the $540,000 price is paid at closing. A second mortgage can cover part of it. $345,089.37 is due at closing. Uses and sources reconcile at $553,262.01 each. Not a Closing Disclosure.