Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$481,259Cash toward the purchase price.
Closing costs + prepaids$12,812Not just lender fees.
Before credits & paid funds$494,072The complete starting cash picture.
Estimated remaining funds due at closing
$494,072No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$481,259.24
Your down payment$481,259.24
Closing costs + prepaids$12,812.29
Total buyer cash needed$494,071.54
Remaining funds due$494,071.54
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,999.99
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 (26 days)$87.30
Fees + prepaids$12,812.29
Your down payment is the seller’s equity. You take over the $18,740 balance, so the rest of the $499,999 price is paid at closing. A second mortgage can cover part of it. $494,071.54 is due at closing. Uses and sources reconcile at $512,811.29 each. Not a Closing Disclosure.