Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$199,740Cash toward the purchase price.
Closing costs + prepaids$12,997Not just lender fees.
Before credits & paid funds$212,737The complete starting cash picture.
Estimated remaining funds due at closing
$212,737No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$199,739.80
Your down payment$199,739.80
Closing costs + prepaids$12,996.94
Total buyer cash needed$212,736.74
Remaining funds due$212,736.74
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
Prepaid interest, first (6 days)$193.94
Fees + prepaids$12,996.94
Your down payment is the seller’s equity. You take over the $365,260 balance, so the rest of the $565,000 price is paid at closing. A second mortgage can cover part of it. $212,736.74 is due at closing. Uses and sources reconcile at $577,996.94 each. Not a Closing Disclosure.