Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$485,149Cash toward the purchase price.
Closing costs + prepaids$11,954Not just lender fees.
Before credits & paid funds$497,103The complete starting cash picture.
Estimated remaining funds due at closing
$497,103No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$485,148.95
Your down payment$485,148.95
Closing costs + prepaids$11,953.59
Total buyer cash needed$497,102.54
Remaining funds due$497,102.54
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)$384.75
Prepaid interest, first (31 days)$93.84
Fees + prepaids$11,953.59
Your down payment is the seller’s equity. You take over the $14,851 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $497,102.54 is due at closing. Uses and sources reconcile at $511,953.59 each. Not a Closing Disclosure.