Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$498,499Cash toward the purchase price.
Closing costs + prepaids$13,497Not just lender fees.
Before credits & paid funds$511,996The complete starting cash picture.
Estimated remaining funds due at closing
$511,996No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$498,498.85
Your down payment$498,498.85
Closing costs + prepaids$13,496.70
Total buyer cash needed$511,995.55
Remaining funds due$511,995.55
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,599.00
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)$1,399.75
Prepaid interest, first (2 days)$22.95
Fees + prepaids$13,496.70
Your down payment is the seller’s equity. You take over the $61,401 balance, so the rest of the $559,900 price is paid at closing. A second mortgage can cover part of it. $511,995.55 is due at closing. Uses and sources reconcile at $573,396.70 each. Not a Closing Disclosure.