Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$488,711Cash toward the purchase price.
Closing costs + prepaids$13,653Not just lender fees.
Before credits & paid funds$502,363The complete starting cash picture.
Estimated remaining funds due at closing
$502,363No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$488,710.67
Your down payment$488,710.67
Closing costs + prepaids$13,652.78
Total buyer cash needed$502,363.45
Remaining funds due$502,363.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,499.00
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)$662.75
Prepaid interest, first (1 days)$16.03
Fees + prepaids$13,652.78
Your down payment is the seller’s equity. You take over the $161,189 balance, so the rest of the $649,900 price is paid at closing. A second mortgage can cover part of it. $502,363.45 is due at closing. Uses and sources reconcile at $663,552.78 each. Not a Closing Disclosure.