Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$189,634Cash toward the purchase price.
Closing costs + prepaids$13,532Not just lender fees.
Before credits & paid funds$203,166The complete starting cash picture.
Estimated remaining funds due at closing
$203,166No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$189,633.89
Your down payment$189,633.89
Closing costs + prepaids$13,532.15
Total buyer cash needed$203,166.03
Remaining funds due$203,166.03
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)$690.00
Initial HOA (3 months)$270.00
Prepaid interest, first (12 days)$347.15
Fees + prepaids$13,532.15
Your down payment is the seller’s equity. You take over the $385,366 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $203,166.03 is due at closing. Uses and sources reconcile at $588,532.15 each. Not a Closing Disclosure.