Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$484,080Cash toward the purchase price.
Closing costs + prepaids$15,771Not just lender fees.
Before credits & paid funds$499,851The complete starting cash picture.
Estimated remaining funds due at closing
$499,851No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$484,079.66
Your down payment$484,079.66
Closing costs + prepaids$15,771.15
Total buyer cash needed$499,850.81
Remaining funds due$499,850.81
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,840.00
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)$675.75
Prepaid interest, first (1 days)$30.40
Fees + prepaids$15,771.15
Your down payment is the seller’s equity. You take over the $299,920 balance, so the rest of the $784,000 price is paid at closing. A second mortgage can cover part of it. $499,850.81 is due at closing. Uses and sources reconcile at $799,771.15 each. Not a Closing Disclosure.