Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$471,153Cash toward the purchase price.
Closing costs + prepaids$20,535Not just lender fees.
Before credits & paid funds$491,688The complete starting cash picture.
Estimated remaining funds due at closing
$491,688No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$471,152.52
Your down payment$471,152.52
Closing costs + prepaids$20,535.38
Total buyer cash needed$491,687.90
Remaining funds due$491,687.90
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,150.00
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)$3,189.75
Prepaid interest, first (26 days)$970.63
Fees + prepaids$20,535.38
Your down payment is the seller’s equity. You take over the $443,847 balance, so the rest of the $915,000 price is paid at closing. A second mortgage can cover part of it. $491,687.90 is due at closing. Uses and sources reconcile at $935,535.38 each. Not a Closing Disclosure.