Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$456,015Cash toward the purchase price.
Closing costs + prepaids$13,266Not just lender fees.
Before credits & paid funds$469,281The complete starting cash picture.
Estimated remaining funds due at closing
$469,281No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$456,014.76
Your down payment$456,014.76
Closing costs + prepaids$13,265.85
Total buyer cash needed$469,280.61
Remaining funds due$469,280.61
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)$766.25
Prepaid interest, first (26 days)$384.60
Fees + prepaids$13,265.85
Your down payment is the seller’s equity. You take over the $107,985 balance, so the rest of the $564,000 price is paid at closing. A second mortgage can cover part of it. $469,280.61 is due at closing. Uses and sources reconcile at $577,265.85 each. Not a Closing Disclosure.