Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$323,321Cash toward the purchase price.
Closing costs + prepaids$15,534Not just lender fees.
Before credits & paid funds$338,855The complete starting cash picture.
Estimated remaining funds due at closing
$338,855No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$323,321.33
Your down payment$323,321.33
Closing costs + prepaids$15,533.93
Total buyer cash needed$338,855.27
Remaining funds due$338,855.27
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)$1,350.00
Initial HOA (3 months)$1,851.00
Prepaid interest, first (29 days)$457.93
Fees + prepaids$15,533.93
Your down payment is the seller’s equity. You take over the $216,679 balance, so the rest of the $540,000 price is paid at closing. A second mortgage can cover part of it. $338,855.27 is due at closing. Uses and sources reconcile at $555,533.93 each. Not a Closing Disclosure.