Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$458,894Cash toward the purchase price.
Closing costs + prepaids$13,423Not just lender fees.
Before credits & paid funds$472,317The complete starting cash picture.
Estimated remaining funds due at closing
$472,317No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$458,894.02
Your down payment$458,894.02
Closing costs + prepaids$13,422.89
Total buyer cash needed$472,316.91
Remaining funds due$472,316.91
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,350.00
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)$1,337.50
Prepaid interest, first (28 days)$260.39
Fees + prepaids$13,422.89
Your down payment is the seller’s equity. You take over the $76,106 balance, so the rest of the $535,000 price is paid at closing. A second mortgage can cover part of it. $472,316.91 is due at closing. Uses and sources reconcile at $548,422.89 each. Not a Closing Disclosure.