Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$204,085Cash toward the purchase price.
Closing costs + prepaids$13,551Not just lender fees.
Before credits & paid funds$217,636The complete starting cash picture.
Estimated remaining funds due at closing
$217,636No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$204,085.35
Your down payment$204,085.35
Closing costs + prepaids$13,550.75
Total buyer cash needed$217,636.10
Remaining funds due$217,636.10
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)$678.00
Initial HOA (3 months)$204.00
Prepaid interest, first (9 days)$543.75
Fees + prepaids$13,550.75
Your down payment is the seller’s equity. You take over the $360,915 balance, so the rest of the $565,000 price is paid at closing. A second mortgage can cover part of it. $217,636.10 is due at closing. Uses and sources reconcile at $578,550.75 each. Not a Closing Disclosure.