Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$449,641Cash toward the purchase price.
Closing costs + prepaids$20,437Not just lender fees.
Before credits & paid funds$470,077The complete starting cash picture.
Estimated remaining funds due at closing
$470,077No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$449,640.55
Your down payment$449,640.55
Closing costs + prepaids$20,436.76
Total buyer cash needed$470,077.30
Remaining funds due$470,077.30
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,930.00
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)$802.25
Prepaid interest, first (24 days)$2,479.51
Fees + prepaids$20,436.76
Your down payment is the seller’s equity. You take over the $543,359 balance, so the rest of the $993,000 price is paid at closing. A second mortgage can cover part of it. $470,077.30 is due at closing. Uses and sources reconcile at $1,013,436.76 each. Not a Closing Disclosure.