Follow the dollars · Assumption only
A complete cash picture for Dec 28, 2026
Your down payment$216,152Cash toward the purchase price.
Closing costs + prepaids$13,882Not just lender fees.
Before credits & paid funds$230,034The complete starting cash picture.
Estimated remaining funds due at closing
$230,034No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$216,151.76
Your down payment$216,151.76
Closing costs + prepaids$13,882.47
Total buyer cash needed$230,034.22
Remaining funds due$230,034.22
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,475.00
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)$1,396.25
Initial HOA (3 months)$432.00
Prepaid interest, first (4 days)$104.22
Fees + prepaids$13,882.47
Your down payment is the seller’s equity. You take over the $331,348 balance, so the rest of the $547,500 price is paid at closing. A second mortgage can cover part of it. $230,034.22 is due at closing. Uses and sources reconcile at $561,382.47 each. Not a Closing Disclosure.