Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$236,079Cash toward the purchase price.
Closing costs + prepaids$14,022Not just lender fees.
Before credits & paid funds$250,101The complete starting cash picture.
Estimated remaining funds due at closing
$250,101No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$236,079.15
Your down payment$236,079.15
Closing costs + prepaids$14,021.63
Total buyer cash needed$250,100.78
Remaining funds due$250,100.78
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,489.99
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)$1,057.50
Initial HOA (3 months)$315.00
Prepaid interest, first (30 days)$684.14
Fees + prepaids$14,021.63
Your down payment is the seller’s equity. You take over the $312,920 balance, so the rest of the $548,999 price is paid at closing. A second mortgage can cover part of it. $250,100.78 is due at closing. Uses and sources reconcile at $563,020.63 each. Not a Closing Disclosure.