Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$166,068Cash toward the purchase price.
Closing costs + prepaids$17,206Not just lender fees.
Before credits & paid funds$183,274The complete starting cash picture.
Estimated remaining funds due at closing
$183,274No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$166,068.07
Your down payment$166,068.07
Closing costs + prepaids$17,205.62
Total buyer cash needed$183,273.69
Remaining funds due$183,273.69
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,679.00
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)$2,240.25
Initial HOA (3 months)$885.00
Prepaid interest, first (26 days)$1,926.37
Fees + prepaids$17,205.62
Your down payment is the seller’s equity. You take over the $401,832 balance, so the rest of the $567,900 price is paid at closing. A second mortgage can cover part of it. $183,273.69 is due at closing. Uses and sources reconcile at $585,105.62 each. Not a Closing Disclosure.