Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$164,601Cash toward the purchase price.
Closing costs + prepaids$13,801Not just lender fees.
Before credits & paid funds$178,403The complete starting cash picture.
Estimated remaining funds due at closing
$178,403No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$164,601.39
Your down payment$164,601.39
Closing costs + prepaids$13,801.23
Total buyer cash needed$178,402.62
Remaining funds due$178,402.62
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,630.00
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)$675.50
Initial HOA (3 months)$189.00
Prepaid interest, first (10 days)$831.73
Fees + prepaids$13,801.23
Your down payment is the seller’s equity. You take over the $398,399 balance, so the rest of the $563,000 price is paid at closing. A second mortgage can cover part of it. $178,402.62 is due at closing. Uses and sources reconcile at $576,801.23 each. Not a Closing Disclosure.