Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$467,830Cash toward the purchase price.
Closing costs + prepaids$13,325Not just lender fees.
Before credits & paid funds$481,155The complete starting cash picture.
Estimated remaining funds due at closing
$481,155No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$467,829.96
Your down payment$467,829.96
Closing costs + prepaids$13,325.42
Total buyer cash needed$481,155.37
Remaining funds due$481,155.37
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)$643.75
Prepaid interest, first (29 days)$507.67
Fees + prepaids$13,325.42
Your down payment is the seller’s equity. You take over the $102,070 balance, so the rest of the $569,900 price is paid at closing. A second mortgage can cover part of it. $481,155.37 is due at closing. Uses and sources reconcile at $583,225.42 each. Not a Closing Disclosure.