Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$458,339Cash toward the purchase price.
Closing costs + prepaids$13,547Not just lender fees.
Before credits & paid funds$471,887The complete starting cash picture.
Estimated remaining funds due at closing
$471,887No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$458,339.36
Your down payment$458,339.36
Closing costs + prepaids$13,547.34
Total buyer cash needed$471,886.70
Remaining funds due$471,886.70
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,450.00
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)$1,362.50
Prepaid interest, first (24 days)$259.84
Fees + prepaids$13,547.34
Your down payment is the seller’s equity. You take over the $86,661 balance, so the rest of the $545,000 price is paid at closing. A second mortgage can cover part of it. $471,886.70 is due at closing. Uses and sources reconcile at $558,547.34 each. Not a Closing Disclosure.