Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$478,454Cash toward the purchase price.
Closing costs + prepaids$12,392Not just lender fees.
Before credits & paid funds$490,847The complete starting cash picture.
Estimated remaining funds due at closing
$490,847No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$478,454.31
Your down payment$478,454.31
Closing costs + prepaids$12,392.42
Total buyer cash needed$490,846.73
Remaining funds due$490,846.73
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,000.00
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)$693.75
Initial HOA (3 months)$99.00
Prepaid interest, first (30 days)$124.67
Fees + prepaids$12,392.42
Your down payment is the seller’s equity. You take over the $21,546 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $490,846.73 is due at closing. Uses and sources reconcile at $512,392.42 each. Not a Closing Disclosure.