Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$479,337Cash toward the purchase price.
Closing costs + prepaids$13,754Not just lender fees.
Before credits & paid funds$493,091The complete starting cash picture.
Estimated remaining funds due at closing
$493,091No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$479,336.74
Your down payment$479,336.74
Closing costs + prepaids$13,754.03
Total buyer cash needed$493,090.77
Remaining funds due$493,090.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,990.00
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)$1,247.50
Initial HOA (3 months)$960.00
Prepaid interest, first (23 days)$81.53
Fees + prepaids$13,754.03
Your down payment is the seller’s equity. You take over the $19,663 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $493,090.77 is due at closing. Uses and sources reconcile at $512,754.03 each. Not a Closing Disclosure.