Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$162,980Cash toward the purchase price.
Closing costs + prepaids$15,901Not just lender fees.
Before credits & paid funds$178,881The complete starting cash picture.
Estimated remaining funds due at closing
$178,881No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$162,980.36
Your down payment$162,980.36
Closing costs + prepaids$15,900.57
Total buyer cash needed$178,880.92
Remaining funds due$178,880.92
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,750.00
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)$841.25
Initial HOA (3 months)$1,851.00
Prepaid interest, first (31 days)$983.32
Fees + prepaids$15,900.57
Your down payment is the seller’s equity. You take over the $412,020 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $178,880.92 is due at closing. Uses and sources reconcile at $590,900.57 each. Not a Closing Disclosure.