Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$299,654Cash toward the purchase price.
Closing costs + prepaids$13,172Not just lender fees.
Before credits & paid funds$312,826The complete starting cash picture.
Estimated remaining funds due at closing
$312,826No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$299,653.71
Your down payment$299,653.71
Closing costs + prepaids$13,172.05
Total buyer cash needed$312,825.76
Remaining funds due$312,825.76
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)$637.50
Initial HOA (3 months)$528.00
Prepaid interest, first (1 days)$31.55
Fees + prepaids$13,172.05
Your down payment is the seller’s equity. You take over the $250,346 balance, so the rest of the $550,000 price is paid at closing. A second mortgage can cover part of it. $312,825.76 is due at closing. Uses and sources reconcile at $563,172.05 each. Not a Closing Disclosure.