Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$37,395Cash toward the purchase price.
Closing costs + prepaids$15,640Not just lender fees.
Before credits & paid funds$53,036The complete starting cash picture.
Estimated remaining funds due at closing
$53,036No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,395.38
Your down payment$37,395.38
Closing costs + prepaids$15,640.34
Total buyer cash needed$53,035.72
Remaining funds due$53,035.72
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)$83.75
Initial HOA (3 months)$501.00
Prepaid interest, first (31 days)$2,930.59
Fees + prepaids$15,640.34
Your down payment is the seller’s equity. You take over the $527,605 balance, so the rest of the $565,000 price is paid at closing. A second mortgage can cover part of it. $53,035.72 is due at closing. Uses and sources reconcile at $580,640.34 each. Not a Closing Disclosure.