Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$456,015Cash toward the purchase price.
Closing costs + prepaids$12,969Not just lender fees.
Before credits & paid funds$468,984The complete starting cash picture.
Estimated remaining funds due at closing
$468,984No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$456,014.76
Your down payment$456,014.76
Closing costs + prepaids$12,969.26
Total buyer cash needed$468,984.02
Remaining funds due$468,984.02
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,640.00
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)$676.75
Prepaid interest, first (12 days)$177.51
Fees + prepaids$12,969.26
Your down payment is the seller’s equity. You take over the $107,985 balance, so the rest of the $564,000 price is paid at closing. A second mortgage can cover part of it. $468,984.02 is due at closing. Uses and sources reconcile at $576,969.26 each. Not a Closing Disclosure.