Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$111,136Cash toward the purchase price.
Closing costs + prepaids$16,267Not just lender fees.
Before credits & paid funds$127,403The complete starting cash picture.
Estimated remaining funds due at closing
$127,403No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$111,135.63
Your down payment$111,135.63
Closing costs + prepaids$16,267.25
Total buyer cash needed$127,402.88
Remaining funds due$127,402.88
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)$2,228.50
Initial HOA (3 months)$26.25
Prepaid interest, first (23 days)$1,937.50
Fees + prepaids$16,267.25
Your down payment is the seller’s equity. You take over the $448,864 balance, so the rest of the $560,000 price is paid at closing. A second mortgage can cover part of it. $127,402.88 is due at closing. Uses and sources reconcile at $576,267.25 each. Not a Closing Disclosure.