Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$449,533Cash toward the purchase price.
Closing costs + prepaids$13,436Not just lender fees.
Before credits & paid funds$462,969The complete starting cash picture.
Estimated remaining funds due at closing
$462,969No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$449,533.43
Your down payment$449,533.43
Closing costs + prepaids$13,435.60
Total buyer cash needed$462,969.03
Remaining funds due$462,969.03
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,840.00
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)$858.00
Prepaid interest, first (22 days)$262.60
Fees + prepaids$13,435.60
Your down payment is the seller’s equity. You take over the $134,467 balance, so the rest of the $584,000 price is paid at closing. A second mortgage can cover part of it. $462,969.03 is due at closing. Uses and sources reconcile at $597,435.60 each. Not a Closing Disclosure.