Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$457,182Cash toward the purchase price.
Closing costs + prepaids$13,979Not just lender fees.
Before credits & paid funds$471,161The complete starting cash picture.
Estimated remaining funds due at closing
$471,161No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$457,182.31
Your down payment$457,182.31
Closing costs + prepaids$13,978.78
Total buyer cash needed$471,161.09
Remaining funds due$471,161.09
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,800.00
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)$1,450.00
Prepaid interest, first (18 days)$253.78
Fees + prepaids$13,978.78
Your down payment is the seller’s equity. You take over the $122,818 balance, so the rest of the $580,000 price is paid at closing. A second mortgage can cover part of it. $471,161.09 is due at closing. Uses and sources reconcile at $593,978.78 each. Not a Closing Disclosure.