Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$342,184Cash toward the purchase price.
Closing costs + prepaids$13,326Not just lender fees.
Before credits & paid funds$355,509The complete starting cash picture.
Estimated remaining funds due at closing
$355,509No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$342,183.63
Your down payment$342,183.63
Closing costs + prepaids$13,325.60
Total buyer cash needed$355,509.23
Remaining funds due$355,509.23
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)$576.75
Initial HOA (3 months)$135.00
Prepaid interest, first (22 days)$488.85
Fees + prepaids$13,325.60
Your down payment is the seller’s equity. You take over the $222,816 balance, so the rest of the $565,000 price is paid at closing. A second mortgage can cover part of it. $355,509.23 is due at closing. Uses and sources reconcile at $578,325.60 each. Not a Closing Disclosure.