Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$491,356Cash toward the purchase price.
Closing costs + prepaids$12,093Not just lender fees.
Before credits & paid funds$503,449The complete starting cash picture.
Estimated remaining funds due at closing
$503,449No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$491,356.31
Your down payment$491,356.31
Closing costs + prepaids$12,092.62
Total buyer cash needed$503,448.93
Remaining funds due$503,448.93
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,999.00
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)$600.00
Prepaid interest, first (12 days)$18.62
Fees + prepaids$12,092.62
Your down payment is the seller’s equity. You take over the $8,544 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $503,448.93 is due at closing. Uses and sources reconcile at $511,992.62 each. Not a Closing Disclosure.