Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$493,859Cash toward the purchase price.
Closing costs + prepaids$16,585Not just lender fees.
Before credits & paid funds$510,444The complete starting cash picture.
Estimated remaining funds due at closing
$510,444No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$493,858.93
Your down payment$493,858.93
Closing costs + prepaids$16,584.63
Total buyer cash needed$510,443.56
Remaining funds due$510,443.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,100.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,775.00
Prepaid interest, first (22 days)$484.63
Fees + prepaids$16,584.63
Your down payment is the seller’s equity. You take over the $216,141 balance, so the rest of the $710,000 price is paid at closing. A second mortgage can cover part of it. $510,443.56 is due at closing. Uses and sources reconcile at $726,584.63 each. Not a Closing Disclosure.