Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$38,467Cash toward the purchase price.
Closing costs + prepaids$14,233Not just lender fees.
Before credits & paid funds$52,700The complete starting cash picture.
Estimated remaining funds due at closing
$52,700No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,467.10
Your down payment$38,467.10
Closing costs + prepaids$14,232.66
Total buyer cash needed$52,699.76
Remaining funds due$52,699.76
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)$678.00
Initial HOA (3 months)$492.00
Prepaid interest, first (10 days)$937.66
Fees + prepaids$14,232.66
Your down payment is the seller’s equity. You take over the $526,533 balance, so the rest of the $565,000 price is paid at closing. A second mortgage can cover part of it. $52,699.76 is due at closing. Uses and sources reconcile at $579,232.66 each. Not a Closing Disclosure.