Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$473,574Cash toward the purchase price.
Closing costs + prepaids$13,769Not just lender fees.
Before credits & paid funds$487,343The complete starting cash picture.
Estimated remaining funds due at closing
$487,343No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$473,574.03
Your down payment$473,574.03
Closing costs + prepaids$13,768.84
Total buyer cash needed$487,342.88
Remaining funds due$487,342.88
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,699.00
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)$1,200.25
Prepaid interest, first (24 days)$394.59
Fees + prepaids$13,768.84
Your down payment is the seller’s equity. You take over the $96,326 balance, so the rest of the $569,900 price is paid at closing. A second mortgage can cover part of it. $487,342.88 is due at closing. Uses and sources reconcile at $583,668.84 each. Not a Closing Disclosure.