Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$187,493Cash toward the purchase price.
Closing costs + prepaids$13,412Not just lender fees.
Before credits & paid funds$200,905The complete starting cash picture.
Estimated remaining funds due at closing
$200,905No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$187,492.86
Your down payment$187,492.86
Closing costs + prepaids$13,411.83
Total buyer cash needed$200,904.69
Remaining funds due$200,904.69
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)$678.00
Initial HOA (3 months)$270.00
Prepaid interest, first (12 days)$338.83
Fees + prepaids$13,411.83
Your down payment is the seller’s equity. You take over the $377,507 balance, so the rest of the $565,000 price is paid at closing. A second mortgage can cover part of it. $200,904.69 is due at closing. Uses and sources reconcile at $578,411.83 each. Not a Closing Disclosure.