Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$152,254Cash toward the purchase price.
Closing costs + prepaids$15,669Not just lender fees.
Before credits & paid funds$167,924The complete starting cash picture.
Estimated remaining funds due at closing
$167,924No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$152,254.21
Your down payment$152,254.21
Closing costs + prepaids$15,669.42
Total buyer cash needed$167,923.63
Remaining funds due$167,923.63
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)$2,100.00
Initial HOA (3 months)$260.01
Prepaid interest, first (17 days)$1,234.41
Fees + prepaids$15,669.42
Your down payment is the seller’s equity. You take over the $407,746 balance, so the rest of the $560,000 price is paid at closing. A second mortgage can cover part of it. $167,923.63 is due at closing. Uses and sources reconcile at $575,669.42 each. Not a Closing Disclosure.