Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$203,633Cash toward the purchase price.
Closing costs + prepaids$14,635Not just lender fees.
Before credits & paid funds$218,268The complete starting cash picture.
Estimated remaining funds due at closing
$218,268No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$203,632.79
Your down payment$203,632.79
Closing costs + prepaids$14,634.77
Total buyer cash needed$218,267.56
Remaining funds due$218,267.56
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)$1,957.00
Prepaid interest, first (31 days)$802.77
Fees + prepaids$14,634.77
Your down payment is the seller’s equity. You take over the $336,367 balance, so the rest of the $540,000 price is paid at closing. A second mortgage can cover part of it. $218,267.56 is due at closing. Uses and sources reconcile at $554,634.77 each. Not a Closing Disclosure.