Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$258,341Cash toward the purchase price.
Closing costs + prepaids$13,378Not just lender fees.
Before credits & paid funds$271,719The complete starting cash picture.
Estimated remaining funds due at closing
$271,719No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$258,341.20
Your down payment$258,341.20
Closing costs + prepaids$13,378.26
Total buyer cash needed$271,719.47
Remaining funds due$271,719.47
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)$549.25
Prepaid interest, first (31 days)$864.01
Fees + prepaids$13,378.26
Your down payment is the seller’s equity. You take over the $290,659 balance, so the rest of the $549,000 price is paid at closing. A second mortgage can cover part of it. $271,719.47 is due at closing. Uses and sources reconcile at $562,378.26 each. Not a Closing Disclosure.