Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$224,810Cash toward the purchase price.
Closing costs + prepaids$13,342Not just lender fees.
Before credits & paid funds$238,152The complete starting cash picture.
Estimated remaining funds due at closing
$238,152No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$224,810.02
Your down payment$224,810.02
Closing costs + prepaids$13,341.86
Total buyer cash needed$238,151.89
Remaining funds due$238,151.89
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)$646.75
Initial HOA (3 months)$231.00
Prepaid interest, first (10 days)$599.11
Fees + prepaids$13,341.86
Your down payment is the seller’s equity. You take over the $314,190 balance, so the rest of the $539,000 price is paid at closing. A second mortgage can cover part of it. $238,151.89 is due at closing. Uses and sources reconcile at $552,341.86 each. Not a Closing Disclosure.