Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$448,875Cash toward the purchase price.
Closing costs + prepaids$13,437Not just lender fees.
Before credits & paid funds$462,312The complete starting cash picture.
Estimated remaining funds due at closing
$462,312No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$448,874.75
Your down payment$448,874.75
Closing costs + prepaids$13,437.06
Total buyer cash needed$462,311.81
Remaining funds due$462,311.81
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,639.00
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)$683.00
Initial HOA (3 months)$447.51
Prepaid interest, first (26 days)$192.55
Fees + prepaids$13,437.06
Your down payment is the seller’s equity. You take over the $115,025 balance, so the rest of the $563,900 price is paid at closing. A second mortgage can cover part of it. $462,311.81 is due at closing. Uses and sources reconcile at $577,337.06 each. Not a Closing Disclosure.