Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$220,411Cash toward the purchase price.
Closing costs + prepaids$13,352Not just lender fees.
Before credits & paid funds$233,763The complete starting cash picture.
Estimated remaining funds due at closing
$233,763No 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$13,351.81
Total buyer cash needed$233,763.04
Remaining funds due$233,763.04
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)$655.25
Initial HOA (3 months)$206.01
Prepaid interest, first (9 days)$555.55
Fees + prepaids$13,351.81
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. $233,763.04 is due at closing. Uses and sources reconcile at $559,351.81 each. Not a Closing Disclosure.