Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$492,010Cash toward the purchase price.
Closing costs + prepaids$12,954Not just lender fees.
Before credits & paid funds$504,964The complete starting cash picture.
Estimated remaining funds due at closing
$504,964No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$492,009.58
Your down payment$492,009.58
Closing costs + prepaids$12,954.20
Total buyer cash needed$504,963.78
Remaining funds due$504,963.78
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,100.00
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)$1,275.00
Prepaid interest, first (29 days)$104.20
Fees + prepaids$12,954.20
Your down payment is the seller’s equity. You take over the $17,990 balance, so the rest of the $510,000 price is paid at closing. A second mortgage can cover part of it. $504,963.78 is due at closing. Uses and sources reconcile at $522,954.20 each. Not a Closing Disclosure.