Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$181,915Cash toward the purchase price.
Closing costs + prepaids$15,060Not just lender fees.
Before credits & paid funds$196,976The complete starting cash picture.
Estimated remaining funds due at closing
$196,976No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$181,915.21
Your down payment$181,915.21
Closing costs + prepaids$15,060.39
Total buyer cash needed$196,975.60
Remaining funds due$196,975.60
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)$1,684.75
Prepaid interest, first (18 days)$1,250.64
Fees + prepaids$15,060.39
Your down payment is the seller’s equity. You take over the $383,085 balance, so the rest of the $565,000 price is paid at closing. A second mortgage can cover part of it. $196,975.60 is due at closing. Uses and sources reconcile at $580,060.39 each. Not a Closing Disclosure.