Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$220,411Cash toward the purchase price.
Closing costs + prepaids$13,835Not just lender fees.
Before credits & paid funds$234,246The complete starting cash picture.
Estimated remaining funds due at closing
$234,246No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$220,411.23
Your down payment$220,411.23
Closing costs + prepaids$13,834.57
Total buyer cash needed$234,245.80
Remaining funds due$234,245.80
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)$459.00
Initial HOA (3 months)$206.01
Prepaid interest, first (20 days)$1,234.56
Fees + prepaids$13,834.57
Your down payment is the seller’s equity. You take over the $325,589 balance, so the rest of the $546,000 price is paid at closing. A second mortgage can cover part of it. $234,245.80 is due at closing. Uses and sources reconcile at $559,834.57 each. Not a Closing Disclosure.