Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$191,292Cash toward the purchase price.
Closing costs + prepaids$14,785Not just lender fees.
Before credits & paid funds$206,076The complete starting cash picture.
Estimated remaining funds due at closing
$206,076No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$191,291.61
Your down payment$191,291.61
Closing costs + prepaids$14,784.50
Total buyer cash needed$206,076.11
Remaining funds due$206,076.11
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,650.00
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)$1,559.50
Initial HOA (3 months)$336.00
Prepaid interest, first (26 days)$764.00
Fees + prepaids$14,784.50
Your down payment is the seller’s equity. You take over the $373,708 balance, so the rest of the $565,000 price is paid at closing. A second mortgage can cover part of it. $206,076.11 is due at closing. Uses and sources reconcile at $579,784.50 each. Not a Closing Disclosure.