Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$211,152Cash toward the purchase price.
Closing costs + prepaids$13,897Not just lender fees.
Before credits & paid funds$225,049The complete starting cash picture.
Estimated remaining funds due at closing
$225,049No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$211,151.90
Your down payment$211,151.90
Closing costs + prepaids$13,897.01
Total buyer cash needed$225,048.91
Remaining funds due$225,048.91
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,750.00
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)$823.00
Initial HOA (3 months)$30.00
Prepaid interest, first (26 days)$819.01
Fees + prepaids$13,897.01
Your down payment is the seller’s equity. You take over the $363,848 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $225,048.91 is due at closing. Uses and sources reconcile at $588,897.01 each. Not a Closing Disclosure.