Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$446,514Cash toward the purchase price.
Closing costs + prepaids$12,467Not just lender fees.
Before credits & paid funds$458,981The complete starting cash picture.
Estimated remaining funds due at closing
$458,981No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$446,513.58
Your down payment$446,513.58
Closing costs + prepaids$12,467.03
Total buyer cash needed$458,980.61
Remaining funds due$458,980.61
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,630.00
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)$336.75
Prepaid interest, first (2 days)$25.28
Fees + prepaids$12,467.03
Your down payment is the seller’s equity. You take over the $116,486 balance, so the rest of the $563,000 price is paid at closing. A second mortgage can cover part of it. $458,980.61 is due at closing. Uses and sources reconcile at $575,467.03 each. Not a Closing Disclosure.