Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$188,178Cash toward the purchase price.
Closing costs + prepaids$15,095Not just lender fees.
Before credits & paid funds$203,273The complete starting cash picture.
Estimated remaining funds due at closing
$203,273No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$188,177.86
Your down payment$188,177.86
Closing costs + prepaids$15,094.91
Total buyer cash needed$203,272.77
Remaining funds due$203,272.77
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)$967.50
Initial HOA (3 months)$405.00
Prepaid interest, first (23 days)$1,557.41
Fees + prepaids$15,094.91
Your down payment is the seller’s equity. You take over the $380,822 balance, so the rest of the $569,000 price is paid at closing. A second mortgage can cover part of it. $203,272.77 is due at closing. Uses and sources reconcile at $584,094.91 each. Not a Closing Disclosure.