Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$446,849Cash toward the purchase price.
Closing costs + prepaids$12,681Not just lender fees.
Before credits & paid funds$459,530The complete starting cash picture.
Estimated remaining funds due at closing
$459,530No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$446,848.55
Your down payment$446,848.55
Closing costs + prepaids$12,681.18
Total buyer cash needed$459,529.73
Remaining funds due$459,529.73
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 (19 days)$239.43
Fees + prepaids$12,681.18
Your down payment is the seller’s equity. You take over the $116,151 balance, so the rest of the $563,000 price is paid at closing. A second mortgage can cover part of it. $459,529.73 is due at closing. Uses and sources reconcile at $575,681.18 each. Not a Closing Disclosure.