Follow the dollars · Assumption only
A complete cash picture for Dec 25, 2026
Your down payment$499,706Cash toward the purchase price.
Closing costs + prepaids$17,849Not just lender fees.
Before credits & paid funds$517,555The complete starting cash picture.
Estimated remaining funds due at closing
$517,555No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$499,705.92
Your down payment$499,705.92
Closing costs + prepaids$17,849.38
Total buyer cash needed$517,555.30
Remaining funds due$517,555.30
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,000.00
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)$1,080.00
Initial HOA (3 months)$201.99
Prepaid interest, first (7 days)$342.39
Fees + prepaids$17,849.38
Your down payment is the seller’s equity. You take over the $400,294 balance, so the rest of the $900,000 price is paid at closing. A second mortgage can cover part of it. $517,555.30 is due at closing. Uses and sources reconcile at $917,849.38 each. Not a Closing Disclosure.