Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$166,073Cash toward the purchase price.
Closing costs + prepaids$14,054Not just lender fees.
Before credits & paid funds$180,126The complete starting cash picture.
Estimated remaining funds due at closing
$180,126No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$166,072.54
Your down payment$166,072.54
Closing costs + prepaids$14,053.86
Total buyer cash needed$180,126.40
Remaining funds due$180,126.40
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,700.00
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)$1,425.00
Initial HOA (3 months)$420.00
Prepaid interest, first (1 days)$33.86
Fees + prepaids$14,053.86
Your down payment is the seller’s equity. You take over the $403,927 balance, so the rest of the $570,000 price is paid at closing. A second mortgage can cover part of it. $180,126.40 is due at closing. Uses and sources reconcile at $584,053.86 each. Not a Closing Disclosure.