Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$468,811Cash toward the purchase price.
Closing costs + prepaids$13,254Not just lender fees.
Before credits & paid funds$482,064The complete starting cash picture.
Estimated remaining funds due at closing
$482,064No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$468,810.52
Your down payment$468,810.52
Closing costs + prepaids$13,253.73
Total buyer cash needed$482,064.24
Remaining funds due$482,064.24
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,850.00
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)$646.50
Prepaid interest, first (31 days)$282.23
Fees + prepaids$13,253.73
Your down payment is the seller’s equity. You take over the $116,189 balance, so the rest of the $585,000 price is paid at closing. A second mortgage can cover part of it. $482,064.24 is due at closing. Uses and sources reconcile at $598,253.73 each. Not a Closing Disclosure.