Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$446,849Cash toward the purchase price.
Closing costs + prepaids$12,744Not just lender fees.
Before credits & paid funds$459,593The complete starting cash picture.
Estimated remaining funds due at closing
$459,593No 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$12,744.19
Total buyer cash needed$459,592.74
Remaining funds due$459,592.74
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 (24 days)$302.44
Fees + prepaids$12,744.19
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. $459,592.74 is due at closing. Uses and sources reconcile at $575,744.19 each. Not a Closing Disclosure.