Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$213,245Cash toward the purchase price.
Closing costs + prepaids$13,052Not just lender fees.
Before credits & paid funds$226,297The complete starting cash picture.
Estimated remaining funds due at closing
$226,297No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$213,245.45
Your down payment$213,245.45
Closing costs + prepaids$13,051.96
Total buyer cash needed$226,297.41
Remaining funds due$226,297.41
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,500.00
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 (6 days)$164.96
Fees + prepaids$13,051.96
Your down payment is the seller’s equity. You take over the $336,755 balance, so the rest of the $550,000 price is paid at closing. A second mortgage can cover part of it. $226,297.41 is due at closing. Uses and sources reconcile at $563,051.96 each. Not a Closing Disclosure.