Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$212,593Cash toward the purchase price.
Closing costs + prepaids$15,492Not just lender fees.
Before credits & paid funds$228,085The complete starting cash picture.
Estimated remaining funds due at closing
$228,085No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$212,593.36
Your down payment$212,593.36
Closing costs + prepaids$15,492.13
Total buyer cash needed$228,085.50
Remaining funds due$228,085.50
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,850.00
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)$1,462.50
Initial HOA (3 months)$999.00
Prepaid interest, first (26 days)$705.63
Fees + prepaids$15,492.13
Your down payment is the seller’s equity. You take over the $372,407 balance, so the rest of the $585,000 price is paid at closing. A second mortgage can cover part of it. $228,085.50 is due at closing. Uses and sources reconcile at $600,492.13 each. Not a Closing Disclosure.