Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$483,112Cash toward the purchase price.
Closing costs + prepaids$12,124Not just lender fees.
Before credits & paid funds$495,236The complete starting cash picture.
Estimated remaining funds due at closing
$495,236No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$483,112.21
Your down payment$483,112.21
Closing costs + prepaids$12,123.72
Total buyer cash needed$495,235.93
Remaining funds due$495,235.93
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,025.00
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)$603.00
Prepaid interest, first (6 days)$20.72
Fees + prepaids$12,123.72
Your down payment is the seller’s equity. You take over the $19,388 balance, so the rest of the $502,500 price is paid at closing. A second mortgage can cover part of it. $495,235.93 is due at closing. Uses and sources reconcile at $514,623.72 each. Not a Closing Disclosure.