Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$418,526Cash toward the purchase price.
Closing costs + prepaids$13,720Not just lender fees.
Before credits & paid funds$432,246The complete starting cash picture.
Estimated remaining funds due at closing
$432,246No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$418,525.75
Your down payment$418,525.75
Closing costs + prepaids$13,720.02
Total buyer cash needed$432,245.77
Remaining funds due$432,245.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,749.00
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)$1,033.75
Prepaid interest, first (26 days)$462.27
Fees + prepaids$13,720.02
Your down payment is the seller’s equity. You take over the $156,374 balance, so the rest of the $574,900 price is paid at closing. A second mortgage can cover part of it. $432,245.77 is due at closing. Uses and sources reconcile at $588,620.02 each. Not a Closing Disclosure.