Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$495,032Cash toward the purchase price.
Closing costs + prepaids$12,425Not just lender fees.
Before credits & paid funds$507,458The complete starting cash picture.
Estimated remaining funds due at closing
$507,458No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$495,032.46
Your down payment$495,032.46
Closing costs + prepaids$12,425.11
Total buyer cash needed$507,457.56
Remaining funds due$507,457.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,099.95
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)$765.50
Initial HOA (3 months)$3.00
Prepaid interest, first (30 days)$81.66
Fees + prepaids$12,425.11
Your down payment is the seller’s equity. You take over the $14,963 balance, so the rest of the $509,995 price is paid at closing. A second mortgage can cover part of it. $507,457.56 is due at closing. Uses and sources reconcile at $522,420.11 each. Not a Closing Disclosure.