Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$326,051Cash toward the purchase price.
Closing costs + prepaids$12,836Not just lender fees.
Before credits & paid funds$338,887The complete starting cash picture.
Estimated remaining funds due at closing
$338,887No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$326,050.82
Your down payment$326,050.82
Closing costs + prepaids$12,836.00
Total buyer cash needed$338,886.82
Remaining funds due$338,886.82
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)$660.00
Prepaid interest, first (12 days)$201.00
Fees + prepaids$12,836.00
Your down payment is the seller’s equity. You take over the $223,949 balance, so the rest of the $550,000 price is paid at closing. A second mortgage can cover part of it. $338,886.82 is due at closing. Uses and sources reconcile at $562,836.00 each. Not a Closing Disclosure.