Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$258,341Cash toward the purchase price.
Closing costs + prepaids$13,072Not just lender fees.
Before credits & paid funds$271,413The complete starting cash picture.
Estimated remaining funds due at closing
$271,413No 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$13,071.68
Total buyer cash needed$271,412.88
Remaining funds due$271,412.88
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 (20 days)$557.43
Fees + prepaids$13,071.68
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. $271,412.88 is due at closing. Uses and sources reconcile at $562,071.68 each. Not a Closing Disclosure.