Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$173,325Cash toward the purchase price.
Closing costs + prepaids$14,773Not just lender fees.
Before credits & paid funds$188,098The complete starting cash picture.
Estimated remaining funds due at closing
$188,098No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$173,324.56
Your down payment$173,324.56
Closing costs + prepaids$14,773.13
Total buyer cash needed$188,097.70
Remaining funds due$188,097.70
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)$1,645.50
Initial HOA (3 months)$174.00
Prepaid interest, first (27 days)$828.63
Fees + prepaids$14,773.13
Your down payment is the seller’s equity. You take over the $391,675 balance, so the rest of the $565,000 price is paid at closing. A second mortgage can cover part of it. $188,097.70 is due at closing. Uses and sources reconcile at $579,773.13 each. Not a Closing Disclosure.