Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$132,068Cash toward the purchase price.
Closing costs + prepaids$13,535Not just lender fees.
Before credits & paid funds$145,602The complete starting cash picture.
Estimated remaining funds due at closing
$145,602No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$132,067.72
Your down payment$132,067.72
Closing costs + prepaids$13,534.74
Total buyer cash needed$145,602.46
Remaining funds due$145,602.46
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)$646.75
Initial HOA (3 months)$99.00
Prepaid interest, first (18 days)$663.99
Fees + prepaids$13,534.74
Your down payment is the seller’s equity. You take over the $432,932 balance, so the rest of the $565,000 price is paid at closing. A second mortgage can cover part of it. $145,602.46 is due at closing. Uses and sources reconcile at $578,534.74 each. Not a Closing Disclosure.