Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$481,403Cash toward the purchase price.
Closing costs + prepaids$12,828Not just lender fees.
Before credits & paid funds$494,232The complete starting cash picture.
Estimated remaining funds due at closing
$494,232No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$481,403.50
Your down payment$481,403.50
Closing costs + prepaids$12,828.14
Total buyer cash needed$494,231.64
Remaining funds due$494,231.64
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,000.00
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)$1,250.00
Prepaid interest, first (28 days)$103.14
Fees + prepaids$12,828.14
Your down payment is the seller’s equity. You take over the $18,597 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $494,231.64 is due at closing. Uses and sources reconcile at $512,828.14 each. Not a Closing Disclosure.