Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$499,000Cash toward the purchase price.
Closing costs + prepaids$11,057Not just lender fees.
Before credits & paid funds$510,057The complete starting cash picture.
Estimated remaining funds due at closing
$510,057No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$499,000.00
Your down payment$499,000.00
Closing costs + prepaids$11,056.75
Total buyer cash needed$510,056.75
Remaining funds due$510,056.75
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$4,990.00
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)$598.75
Fees + prepaids$11,056.75
Your down payment is the seller’s equity. You take over the $0 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $510,056.75 is due at closing. Uses and sources reconcile at $510,056.75 each. Not a Closing Disclosure.