Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$215,399Cash toward the purchase price.
Closing costs + prepaids$13,770Not just lender fees.
Before credits & paid funds$229,169The complete starting cash picture.
Estimated remaining funds due at closing
$229,169No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$215,398.75
Your down payment$215,398.75
Closing costs + prepaids$13,769.82
Total buyer cash needed$229,168.57
Remaining funds due$229,168.57
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)$892.75
Prepaid interest, first (26 days)$752.07
Fees + prepaids$13,769.82
Your down payment is the seller’s equity. You take over the $349,601 balance, so the rest of the $565,000 price is paid at closing. A second mortgage can cover part of it. $229,168.57 is due at closing. Uses and sources reconcile at $578,769.82 each. Not a Closing Disclosure.