Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$328,289Cash toward the purchase price.
Closing costs + prepaids$14,758Not just lender fees.
Before credits & paid funds$343,046The complete starting cash picture.
Estimated remaining funds due at closing
$343,046No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$328,288.59
Your down payment$328,288.59
Closing costs + prepaids$14,757.64
Total buyer cash needed$343,046.23
Remaining funds due$343,046.23
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)$860.00
Initial HOA (3 months)$690.00
Prepaid interest, first (30 days)$1,242.64
Fees + prepaids$14,757.64
Your down payment is the seller’s equity. You take over the $220,711 balance, so the rest of the $549,000 price is paid at closing. A second mortgage can cover part of it. $343,046.23 is due at closing. Uses and sources reconcile at $563,757.64 each. Not a Closing Disclosure.