Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$313,902Cash toward the purchase price.
Closing costs + prepaids$13,479Not just lender fees.
Before credits & paid funds$327,380The complete starting cash picture.
Estimated remaining funds due at closing
$327,380No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$313,901.89
Your down payment$313,901.89
Closing costs + prepaids$13,478.53
Total buyer cash needed$327,380.41
Remaining funds due$327,380.41
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,390.00
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)$871.75
Prepaid interest, first (31 days)$741.78
Fees + prepaids$13,478.53
Your down payment is the seller’s equity. You take over the $225,098 balance, so the rest of the $539,000 price is paid at closing. A second mortgage can cover part of it. $327,380.41 is due at closing. Uses and sources reconcile at $552,478.53 each. Not a Closing Disclosure.