Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$465,047Cash toward the purchase price.
Closing costs + prepaids$25,713Not just lender fees.
Before credits & paid funds$490,759The complete starting cash picture.
Estimated remaining funds due at closing
$490,759No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$465,046.72
Your down payment$465,046.72
Closing costs + prepaids$25,712.75
Total buyer cash needed$490,759.47
Remaining funds due$490,759.47
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$14,490.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,622.50
Prepaid interest, first (2 days)$375.25
Fees + prepaids$25,712.75
Your down payment is the seller’s equity. You take over the $983,953 balance, so the rest of the $1,449,000 price is paid at closing. A second mortgage can cover part of it. $490,759.47 is due at closing. Uses and sources reconcile at $1,474,712.75 each. Not a Closing Disclosure.