Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$349,842Cash toward the purchase price.
Closing costs + prepaids$13,058Not just lender fees.
Before credits & paid funds$362,899The complete starting cash picture.
Estimated remaining funds due at closing
$362,899No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$349,841.56
Your down payment$349,841.56
Closing costs + prepaids$13,057.67
Total buyer cash needed$362,899.22
Remaining funds due$362,899.22
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,499.00
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)$660.00
Initial HOA (3 months)$252.00
Prepaid interest, first (9 days)$171.67
Fees + prepaids$13,057.67
Your down payment is the seller’s equity. You take over the $200,058 balance, so the rest of the $549,900 price is paid at closing. A second mortgage can cover part of it. $362,899.22 is due at closing. Uses and sources reconcile at $562,957.67 each. Not a Closing Disclosure.