Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$186,454Cash toward the purchase price.
Closing costs + prepaids$15,229Not just lender fees.
Before credits & paid funds$201,683The complete starting cash picture.
Estimated remaining funds due at closing
$201,683No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$186,454.07
Your down payment$186,454.07
Closing costs + prepaids$15,228.94
Total buyer cash needed$201,683.01
Remaining funds due$201,683.01
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,600.00
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)$1,400.00
Initial HOA (3 months)$900.00
Prepaid interest, first (28 days)$853.94
Fees + prepaids$15,228.94
Your down payment is the seller’s equity. You take over the $373,546 balance, so the rest of the $560,000 price is paid at closing. A second mortgage can cover part of it. $201,683.01 is due at closing. Uses and sources reconcile at $575,228.94 each. Not a Closing Disclosure.