Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$342,184Cash toward the purchase price.
Closing costs + prepaids$13,481Not just lender fees.
Before credits & paid funds$355,665The complete starting cash picture.
Estimated remaining funds due at closing
$355,665No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$342,183.63
Your down payment$342,183.63
Closing costs + prepaids$13,481.15
Total buyer cash needed$355,664.77
Remaining funds due$355,664.77
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)$576.75
Initial HOA (3 months)$135.00
Prepaid interest, first (29 days)$644.40
Fees + prepaids$13,481.15
Your down payment is the seller’s equity. You take over the $222,816 balance, so the rest of the $565,000 price is paid at closing. A second mortgage can cover part of it. $355,664.77 is due at closing. Uses and sources reconcile at $578,481.15 each. Not a Closing Disclosure.