Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$199,740Cash toward the purchase price.
Closing costs + prepaids$13,346Not just lender fees.
Before credits & paid funds$213,085The complete starting cash picture.
Estimated remaining funds due at closing
$213,085No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$199,739.80
Your down payment$199,739.80
Closing costs + prepaids$13,345.61
Total buyer cash needed$213,085.40
Remaining funds due$213,085.40
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)$509.50
Prepaid interest, first (22 days)$711.11
Fees + prepaids$13,345.61
Your down payment is the seller’s equity. You take over the $365,260 balance, so the rest of the $565,000 price is paid at closing. A second mortgage can cover part of it. $213,085.40 is due at closing. Uses and sources reconcile at $578,345.61 each. Not a Closing Disclosure.