Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$180,932Cash toward the purchase price.
Closing costs + prepaids$13,215Not just lender fees.
Before credits & paid funds$194,146The complete starting cash picture.
Estimated remaining funds due at closing
$194,146No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$180,931.80
Your down payment$180,931.80
Closing costs + prepaids$13,214.58
Total buyer cash needed$194,146.38
Remaining funds due$194,146.38
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,565.00
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)$667.75
Initial HOA (3 months)$129.00
Prepaid interest, first (12 days)$377.83
Fees + prepaids$13,214.58
Your down payment is the seller’s equity. You take over the $375,568 balance, so the rest of the $556,500 price is paid at closing. A second mortgage can cover part of it. $194,146.38 is due at closing. Uses and sources reconcile at $569,714.58 each. Not a Closing Disclosure.