Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$444,702Cash toward the purchase price.
Closing costs + prepaids$22,665Not just lender fees.
Before credits & paid funds$467,368The complete starting cash picture.
Estimated remaining funds due at closing
$467,368No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$444,702.32
Your down payment$444,702.32
Closing costs + prepaids$22,665.39
Total buyer cash needed$467,367.72
Remaining funds due$467,367.72
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,890.00
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)$2,472.50
Prepaid interest, first (30 days)$3,077.89
Fees + prepaids$22,665.39
Your down payment is the seller’s equity. You take over the $544,298 balance, so the rest of the $989,000 price is paid at closing. A second mortgage can cover part of it. $467,367.72 is due at closing. Uses and sources reconcile at $1,011,665.39 each. Not a Closing Disclosure.