Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$200,934Cash toward the purchase price.
Closing costs + prepaids$16,219Not just lender fees.
Before credits & paid funds$217,153The complete starting cash picture.
Estimated remaining funds due at closing
$217,153No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$200,933.56
Your down payment$200,933.56
Closing costs + prepaids$16,219.03
Total buyer cash needed$217,152.59
Remaining funds due$217,152.59
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,690.00
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)$1,422.50
Initial HOA (3 months)$1,920.00
Prepaid interest, first (24 days)$711.53
Fees + prepaids$16,219.03
Your down payment is the seller’s equity. You take over the $368,066 balance, so the rest of the $569,000 price is paid at closing. A second mortgage can cover part of it. $217,152.59 is due at closing. Uses and sources reconcile at $585,219.03 each. Not a Closing Disclosure.