Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$121,507Cash toward the purchase price.
Closing costs + prepaids$17,142Not just lender fees.
Before credits & paid funds$138,648The complete starting cash picture.
Estimated remaining funds due at closing
$138,648No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$121,506.68
Your down payment$121,506.68
Closing costs + prepaids$17,141.53
Total buyer cash needed$138,648.21
Remaining funds due$138,648.21
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)$1,412.50
Initial HOA (3 months)$1,845.00
Prepaid interest, first (31 days)$1,759.03
Fees + prepaids$17,141.53
Your down payment is the seller’s equity. You take over the $443,493 balance, so the rest of the $565,000 price is paid at closing. A second mortgage can cover part of it. $138,648.21 is due at closing. Uses and sources reconcile at $582,141.53 each. Not a Closing Disclosure.