Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$459,640Cash toward the purchase price.
Closing costs + prepaids$16,947Not just lender fees.
Before credits & paid funds$476,587The complete starting cash picture.
Estimated remaining funds due at closing
$476,587No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$459,639.93
Your down payment$459,639.93
Closing costs + prepaids$16,947.44
Total buyer cash needed$476,587.37
Remaining funds due$476,587.37
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,159.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,789.75
Prepaid interest, first (29 days)$773.69
Fees + prepaids$16,947.44
Your down payment is the seller’s equity. You take over the $256,260 balance, so the rest of the $715,900 price is paid at closing. A second mortgage can cover part of it. $476,587.37 is due at closing. Uses and sources reconcile at $732,847.44 each. Not a Closing Disclosure.