Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$191,412Cash toward the purchase price.
Closing costs + prepaids$14,991Not just lender fees.
Before credits & paid funds$206,403The complete starting cash picture.
Estimated remaining funds due at closing
$206,403No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$191,412.06
Your down payment$191,412.06
Closing costs + prepaids$14,990.66
Total buyer cash needed$206,402.72
Remaining funds due$206,402.72
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,690.00
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)$1,762.00
Initial HOA (3 months)$270.00
Prepaid interest, first (28 days)$793.66
Fees + prepaids$14,990.66
Your down payment is the seller’s equity. You take over the $377,588 balance, so the rest of the $569,000 price is paid at closing. A second mortgage can cover part of it. $206,402.72 is due at closing. Uses and sources reconcile at $583,990.66 each. Not a Closing Disclosure.