Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$432,531Cash toward the purchase price.
Closing costs + prepaids$13,686Not just lender fees.
Before credits & paid funds$446,218The complete starting cash picture.
Estimated remaining funds due at closing
$446,218No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$432,531.24
Your down payment$432,531.24
Closing costs + prepaids$13,686.32
Total buyer cash needed$446,217.56
Remaining funds due$446,217.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,499.00
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)$1,374.75
Prepaid interest, first (29 days)$337.57
Fees + prepaids$13,686.32
Your down payment is the seller’s equity. You take over the $117,369 balance, so the rest of the $549,900 price is paid at closing. A second mortgage can cover part of it. $446,217.56 is due at closing. Uses and sources reconcile at $563,586.32 each. Not a Closing Disclosure.