Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$305,459Cash toward the purchase price.
Closing costs + prepaids$12,902Not just lender fees.
Before credits & paid funds$318,361The complete starting cash picture.
Estimated remaining funds due at closing
$318,361No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$305,459.39
Your down payment$305,459.39
Closing costs + prepaids$12,901.75
Total buyer cash needed$318,361.14
Remaining funds due$318,361.14
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,460.00
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)$534.00
Initial HOA (3 months)$417.00
Prepaid interest, first (1 days)$15.75
Fees + prepaids$12,901.75
Your down payment is the seller’s equity. You take over the $240,541 balance, so the rest of the $546,000 price is paid at closing. A second mortgage can cover part of it. $318,361.14 is due at closing. Uses and sources reconcile at $558,901.75 each. Not a Closing Disclosure.