Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$508,844Cash toward the purchase price.
Closing costs + prepaids$21,800Not just lender fees.
Before credits & paid funds$530,644The complete starting cash picture.
Estimated remaining funds due at closing
$530,644No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$508,843.54
Your down payment$508,843.54
Closing costs + prepaids$21,800.21
Total buyer cash needed$530,643.75
Remaining funds due$530,643.75
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,990.00
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)$2,497.50
Initial HOA (3 months)$639.00
Prepaid interest, first (29 days)$1,448.71
Fees + prepaids$21,800.21
Your down payment is the seller’s equity. You take over the $490,156 balance, so the rest of the $999,000 price is paid at closing. A second mortgage can cover part of it. $530,643.75 is due at closing. Uses and sources reconcile at $1,020,800.21 each. Not a Closing Disclosure.