Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$222,760Cash toward the purchase price.
Closing costs + prepaids$12,911Not just lender fees.
Before credits & paid funds$235,671The complete starting cash picture.
Estimated remaining funds due at closing
$235,671No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$222,759.51
Your down payment$222,759.51
Closing costs + prepaids$12,911.17
Total buyer cash needed$235,670.68
Remaining funds due$235,670.68
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,390.00
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)$646.75
Initial HOA (3 months)$93.75
Prepaid interest, first (12 days)$305.67
Fees + prepaids$12,911.17
Your down payment is the seller’s equity. You take over the $316,240 balance, so the rest of the $539,000 price is paid at closing. A second mortgage can cover part of it. $235,670.68 is due at closing. Uses and sources reconcile at $551,911.17 each. Not a Closing Disclosure.