Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$139,517Cash toward the purchase price.
Closing costs + prepaids$13,250Not just lender fees.
Before credits & paid funds$152,766The complete starting cash picture.
Estimated remaining funds due at closing
$152,766No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$139,516.66
Your down payment$139,516.66
Closing costs + prepaids$13,249.59
Total buyer cash needed$152,766.25
Remaining funds due$152,766.25
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)$531.75
Initial HOA (3 months)$6.24
Prepaid interest, first (18 days)$636.60
Fees + prepaids$13,249.59
Your down payment is the seller’s equity. You take over the $420,483 balance, so the rest of the $560,000 price is paid at closing. A second mortgage can cover part of it. $152,766.25 is due at closing. Uses and sources reconcile at $573,249.59 each. Not a Closing Disclosure.