Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$333,379Cash toward the purchase price.
Closing costs + prepaids$13,652Not just lender fees.
Before credits & paid funds$347,032The complete starting cash picture.
Estimated remaining funds due at closing
$347,032No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$333,379.19
Your down payment$333,379.19
Closing costs + prepaids$13,652.43
Total buyer cash needed$347,031.62
Remaining funds due$347,031.62
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,549.00
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)$710.00
Initial HOA (3 months)$90.00
Prepaid interest, first (30 days)$828.43
Fees + prepaids$13,652.43
Your down payment is the seller’s equity. You take over the $221,521 balance, so the rest of the $554,900 price is paid at closing. A second mortgage can cover part of it. $347,031.62 is due at closing. Uses and sources reconcile at $568,552.43 each. Not a Closing Disclosure.