Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$23,455Cash toward the purchase price.
Closing costs + prepaids$15,235Not just lender fees.
Before credits & paid funds$38,690The complete starting cash picture.
Estimated remaining funds due at closing
$38,690No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,455.22
Your down payment$23,455.22
Closing costs + prepaids$15,234.99
Total buyer cash needed$38,690.21
Remaining funds due$38,690.21
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)$1,412.50
Initial HOA (3 months)$492.00
Prepaid interest, first (25 days)$1,205.49
Fees + prepaids$15,234.99
Your down payment is the seller’s equity. You take over the $541,545 balance, so the rest of the $565,000 price is paid at closing. A second mortgage can cover part of it. $38,690.21 is due at closing. Uses and sources reconcile at $580,234.99 each. Not a Closing Disclosure.