Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$449,781Cash toward the purchase price.
Closing costs + prepaids$13,181Not just lender fees.
Before credits & paid funds$462,963The complete starting cash picture.
Estimated remaining funds due at closing
$462,963No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$449,781.48
Your down payment$449,781.48
Closing costs + prepaids$13,181.38
Total buyer cash needed$462,962.87
Remaining funds due$462,962.87
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,699.99
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)$619.50
Initial HOA (3 months)$62.01
Prepaid interest, first (24 days)$324.88
Fees + prepaids$13,181.38
Your down payment is the seller’s equity. You take over the $120,218 balance, so the rest of the $569,999 price is paid at closing. A second mortgage can cover part of it. $462,962.87 is due at closing. Uses and sources reconcile at $583,180.38 each. Not a Closing Disclosure.