Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$441,462Cash toward the purchase price.
Closing costs + prepaids$13,382Not just lender fees.
Before credits & paid funds$454,844The complete starting cash picture.
Estimated remaining funds due at closing
$454,844No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$441,462.31
Your down payment$441,462.31
Closing costs + prepaids$13,381.94
Total buyer cash needed$454,844.25
Remaining funds due$454,844.25
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,890.00
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)$736.25
Prepaid interest, first (16 days)$280.69
Fees + prepaids$13,381.94
Your down payment is the seller’s equity. You take over the $147,538 balance, so the rest of the $589,000 price is paid at closing. A second mortgage can cover part of it. $454,844.25 is due at closing. Uses and sources reconcile at $602,381.94 each. Not a Closing Disclosure.