Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$180,835Cash toward the purchase price.
Closing costs + prepaids$15,325Not just lender fees.
Before credits & paid funds$196,161The complete starting cash picture.
Estimated remaining funds due at closing
$196,161No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$180,835.29
Your down payment$180,835.29
Closing costs + prepaids$15,325.47
Total buyer cash needed$196,160.77
Remaining funds due$196,160.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,599.00
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)$1,861.25
Initial HOA (3 months)$387.00
Prepaid interest, first (28 days)$1,003.22
Fees + prepaids$15,325.47
Your down payment is the seller’s equity. You take over the $379,065 balance, so the rest of the $559,900 price is paid at closing. A second mortgage can cover part of it. $196,160.77 is due at closing. Uses and sources reconcile at $575,225.47 each. Not a Closing Disclosure.