Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$469,594Cash toward the purchase price.
Closing costs + prepaids$12,097Not just lender fees.
Before credits & paid funds$481,690The complete starting cash picture.
Estimated remaining funds due at closing
$481,690No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$469,593.51
Your down payment$469,593.51
Closing costs + prepaids$12,096.69
Total buyer cash needed$481,690.19
Remaining funds due$481,690.19
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,090.00
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)$236.00
Initial HOA (3 months)$288.00
Prepaid interest, first (1 days)$7.69
Fees + prepaids$12,096.69
Your down payment is the seller’s equity. You take over the $39,406 balance, so the rest of the $509,000 price is paid at closing. A second mortgage can cover part of it. $481,690.19 is due at closing. Uses and sources reconcile at $521,096.69 each. Not a Closing Disclosure.