Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$192,011Cash toward the purchase price.
Closing costs + prepaids$16,110Not just lender fees.
Before credits & paid funds$208,121The complete starting cash picture.
Estimated remaining funds due at closing
$208,121No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$192,010.91
Your down payment$192,010.91
Closing costs + prepaids$16,110.12
Total buyer cash needed$208,121.03
Remaining funds due$208,121.03
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)$2,853.75
Initial HOA (3 months)$249.99
Prepaid interest, first (25 days)$881.38
Fees + prepaids$16,110.12
Your down payment is the seller’s equity. You take over the $372,989 balance, so the rest of the $565,000 price is paid at closing. A second mortgage can cover part of it. $208,121.03 is due at closing. Uses and sources reconcile at $581,110.12 each. Not a Closing Disclosure.