Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$170,012Cash toward the purchase price.
Closing costs + prepaids$13,122Not just lender fees.
Before credits & paid funds$183,134The complete starting cash picture.
Estimated remaining funds due at closing
$183,134No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$170,011.97
Your down payment$170,011.97
Closing costs + prepaids$13,121.97
Total buyer cash needed$183,133.95
Remaining funds due$183,133.95
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,600.00
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)$672.00
Initial HOA (3 months)$27.51
Prepaid interest, first (12 days)$347.46
Fees + prepaids$13,121.97
Your down payment is the seller’s equity. You take over the $389,988 balance, so the rest of the $560,000 price is paid at closing. A second mortgage can cover part of it. $183,133.95 is due at closing. Uses and sources reconcile at $573,121.97 each. Not a Closing Disclosure.