Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$456,355Cash toward the purchase price.
Closing costs + prepaids$13,723Not just lender fees.
Before credits & paid funds$470,078The complete starting cash picture.
Estimated remaining funds due at closing
$470,078No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$456,355.10
Your down payment$456,355.10
Closing costs + prepaids$13,723.06
Total buyer cash needed$470,078.16
Remaining funds due$470,078.16
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,399.00
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)$574.50
Prepaid interest, first (21 days)$274.56
Fees + prepaids$13,723.06
Your down payment is the seller’s equity. You take over the $183,545 balance, so the rest of the $639,900 price is paid at closing. A second mortgage can cover part of it. $470,078.16 is due at closing. Uses and sources reconcile at $653,623.06 each. Not a Closing Disclosure.