Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$167,254Cash toward the purchase price.
Closing costs + prepaids$17,383Not just lender fees.
Before credits & paid funds$184,637The complete starting cash picture.
Estimated remaining funds due at closing
$184,637No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$167,254.21
Your down payment$167,254.21
Closing costs + prepaids$17,383.02
Total buyer cash needed$184,637.22
Remaining funds due$184,637.22
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,750.00
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)$2,792.25
Initial HOA (3 months)$260.01
Prepaid interest, first (29 days)$2,105.76
Fees + prepaids$17,383.02
Your down payment is the seller’s equity. You take over the $407,746 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $184,637.22 is due at closing. Uses and sources reconcile at $592,383.02 each. Not a Closing Disclosure.