Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$334,499Cash toward the purchase price.
Closing costs + prepaids$12,946Not just lender fees.
Before credits & paid funds$347,445The complete starting cash picture.
Estimated remaining funds due at closing
$347,445No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$334,499.11
Your down payment$334,499.11
Closing costs + prepaids$12,945.62
Total buyer cash needed$347,444.74
Remaining funds due$347,444.74
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,400.00
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)$388.50
Initial HOA (3 months)$195.00
Prepaid interest, first (21 days)$487.12
Fees + prepaids$12,945.62
Your down payment is the seller’s equity. You take over the $205,501 balance, so the rest of the $540,000 price is paid at closing. A second mortgage can cover part of it. $347,444.74 is due at closing. Uses and sources reconcile at $552,945.62 each. Not a Closing Disclosure.