Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$169,477Cash toward the purchase price.
Closing costs + prepaids$12,522Not just lender fees.
Before credits & paid funds$181,999The complete starting cash picture.
Estimated remaining funds due at closing
$181,999No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$169,477.34
Your down payment$169,477.34
Closing costs + prepaids$12,522.06
Total buyer cash needed$181,999.40
Remaining funds due$181,999.40
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)$328.25
Prepaid interest, first (1 days)$68.81
Fees + prepaids$12,522.06
Your down payment is the seller’s equity. You take over the $395,523 balance, so the rest of the $565,000 price is paid at closing. A second mortgage can cover part of it. $181,999.40 is due at closing. Uses and sources reconcile at $577,522.06 each. Not a Closing Disclosure.