Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$492,385Cash toward the purchase price.
Closing costs + prepaids$14,601Not just lender fees.
Before credits & paid funds$506,986The complete starting cash picture.
Estimated remaining funds due at closing
$506,986No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$492,384.93
Your down payment$492,384.93
Closing costs + prepaids$14,600.77
Total buyer cash needed$506,985.70
Remaining funds due$506,985.70
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,490.00
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)$962.00
Initial HOA (3 months)$198.00
Prepaid interest, first (28 days)$475.77
Fees + prepaids$14,600.77
Your down payment is the seller’s equity. You take over the $156,615 balance, so the rest of the $649,000 price is paid at closing. A second mortgage can cover part of it. $506,985.70 is due at closing. Uses and sources reconcile at $663,600.77 each. Not a Closing Disclosure.