Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$128,561Cash toward the purchase price.
Closing costs + prepaids$16,311Not just lender fees.
Before credits & paid funds$144,872The complete starting cash picture.
Estimated remaining funds due at closing
$144,872No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$128,561.18
Your down payment$128,561.18
Closing costs + prepaids$16,310.62
Total buyer cash needed$144,871.80
Remaining funds due$144,871.80
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)$771.00
Prepaid interest, first (28 days)$2,002.12
Fees + prepaids$16,310.62
Your down payment is the seller’s equity. You take over the $436,439 balance, so the rest of the $565,000 price is paid at closing. A second mortgage can cover part of it. $144,871.80 is due at closing. Uses and sources reconcile at $581,310.62 each. Not a Closing Disclosure.