Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$467,384Cash toward the purchase price.
Closing costs + prepaids$12,958Not just lender fees.
Before credits & paid funds$480,342The complete starting cash picture.
Estimated remaining funds due at closing
$480,342No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$467,384.48
Your down payment$467,384.48
Closing costs + prepaids$12,957.76
Total buyer cash needed$480,342.24
Remaining funds due$480,342.24
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,950.00
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)$225.50
Prepaid interest, first (26 days)$307.26
Fees + prepaids$12,957.76
Your down payment is the seller’s equity. You take over the $127,616 balance, so the rest of the $595,000 price is paid at closing. A second mortgage can cover part of it. $480,342.24 is due at closing. Uses and sources reconcile at $607,957.76 each. Not a Closing Disclosure.