Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$446,849Cash toward the purchase price.
Closing costs + prepaids$12,832Not just lender fees.
Before credits & paid funds$459,681The complete starting cash picture.
Estimated remaining funds due at closing
$459,681No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$446,848.55
Your down payment$446,848.55
Closing costs + prepaids$12,832.40
Total buyer cash needed$459,680.95
Remaining funds due$459,680.95
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)$336.75
Prepaid interest, first (31 days)$390.65
Fees + prepaids$12,832.40
Your down payment is the seller’s equity. You take over the $116,151 balance, so the rest of the $563,000 price is paid at closing. A second mortgage can cover part of it. $459,680.95 is due at closing. Uses and sources reconcile at $575,832.40 each. Not a Closing Disclosure.