Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$467,384Cash toward the purchase price.
Closing costs + prepaids$13,346Not just lender fees.
Before credits & paid funds$480,730The complete starting cash picture.
Estimated remaining funds due at closing
$480,730No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$467,384.48
Your down payment$467,384.48
Closing costs + prepaids$13,346.01
Total buyer cash needed$480,730.49
Remaining funds due$480,730.49
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,950.00
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)$743.75
Prepaid interest, first (15 days)$177.26
Fees + prepaids$13,346.01
Your down payment is the seller’s equity. You take over the $127,616 balance, so the rest of the $595,000 price is paid at closing. A second mortgage can cover part of it. $480,730.49 is due at closing. Uses and sources reconcile at $608,346.01 each. Not a Closing Disclosure.