Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$479,640Cash toward the purchase price.
Closing costs + prepaids$13,730Not just lender fees.
Before credits & paid funds$493,370The complete starting cash picture.
Estimated remaining funds due at closing
$493,370No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$479,639.92
Your down payment$479,639.92
Closing costs + prepaids$13,730.31
Total buyer cash needed$493,370.23
Remaining funds due$493,370.23
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,640.00
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)$1,410.00
Prepaid interest, first (27 days)$205.31
Fees + prepaids$13,730.31
Your down payment is the seller’s equity. You take over the $84,360 balance, so the rest of the $564,000 price is paid at closing. A second mortgage can cover part of it. $493,370.23 is due at closing. Uses and sources reconcile at $577,730.31 each. Not a Closing Disclosure.