Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$164,601Cash toward the purchase price.
Closing costs + prepaids$15,697Not just lender fees.
Before credits & paid funds$180,298The complete starting cash picture.
Estimated remaining funds due at closing
$180,298No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$164,601.39
Your down payment$164,601.39
Closing costs + prepaids$15,696.60
Total buyer cash needed$180,297.99
Remaining funds due$180,297.99
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,630.00
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)$824.25
Initial HOA (3 months)$189.00
Prepaid interest, first (31 days)$2,578.35
Fees + prepaids$15,696.60
Your down payment is the seller’s equity. You take over the $398,399 balance, so the rest of the $563,000 price is paid at closing. A second mortgage can cover part of it. $180,297.99 is due at closing. Uses and sources reconcile at $578,696.60 each. Not a Closing Disclosure.