Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$214,655Cash toward the purchase price.
Closing costs + prepaids$15,140Not just lender fees.
Before credits & paid funds$229,795The complete starting cash picture.
Estimated remaining funds due at closing
$229,795No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$214,655.15
Your down payment$214,655.15
Closing costs + prepaids$15,139.58
Total buyer cash needed$229,794.74
Remaining funds due$229,794.74
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)$988.00
Initial HOA (3 months)$80.01
Prepaid interest, first (30 days)$1,946.57
Fees + prepaids$15,139.58
Your down payment is the seller’s equity. You take over the $350,345 balance, so the rest of the $565,000 price is paid at closing. A second mortgage can cover part of it. $229,794.74 is due at closing. Uses and sources reconcile at $580,139.58 each. Not a Closing Disclosure.