Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$138,293Cash toward the purchase price.
Closing costs + prepaids$13,421Not just lender fees.
Before credits & paid funds$151,715The complete starting cash picture.
Estimated remaining funds due at closing
$151,715No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$138,293.31
Your down payment$138,293.31
Closing costs + prepaids$13,421.45
Total buyer cash needed$151,714.76
Remaining funds due$151,714.76
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,670.00
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)$823.75
Initial HOA (3 months)$378.00
Prepaid interest, first (1 days)$74.70
Fees + prepaids$13,421.45
Your down payment is the seller’s equity. You take over the $428,707 balance, so the rest of the $567,000 price is paid at closing. A second mortgage can cover part of it. $151,714.76 is due at closing. Uses and sources reconcile at $580,421.45 each. Not a Closing Disclosure.