Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$146,891Cash toward the purchase price.
Closing costs + prepaids$15,881Not just lender fees.
Before credits & paid funds$162,772The complete starting cash picture.
Estimated remaining funds due at closing
$162,772No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$146,891.17
Your down payment$146,891.17
Closing costs + prepaids$15,881.10
Total buyer cash needed$162,772.28
Remaining funds due$162,772.28
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)$1,436.00
Prepaid interest, first (26 days)$2,320.10
Fees + prepaids$15,881.10
Your down payment is the seller’s equity. You take over the $418,109 balance, so the rest of the $565,000 price is paid at closing. A second mortgage can cover part of it. $162,772.28 is due at closing. Uses and sources reconcile at $580,881.10 each. Not a Closing Disclosure.