Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$173,506Cash toward the purchase price.
Closing costs + prepaids$13,438Not just lender fees.
Before credits & paid funds$186,944The complete starting cash picture.
Estimated remaining funds due at closing
$186,944No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$173,505.71
Your down payment$173,505.71
Closing costs + prepaids$13,438.03
Total buyer cash needed$186,943.74
Remaining funds due$186,943.74
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)$700.00
Initial HOA (3 months)$105.00
Prepaid interest, first (17 days)$558.03
Fees + prepaids$13,438.03
Your down payment is the seller’s equity. You take over the $386,494 balance, so the rest of the $560,000 price is paid at closing. A second mortgage can cover part of it. $186,943.74 is due at closing. Uses and sources reconcile at $573,438.03 each. Not a Closing Disclosure.