Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$498,562Cash toward the purchase price.
Closing costs + prepaids$13,737Not just lender fees.
Before credits & paid funds$512,299The complete starting cash picture.
Estimated remaining funds due at closing
$512,299No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$498,561.99
Your down payment$498,561.99
Closing costs + prepaids$13,737.35
Total buyer cash needed$512,299.35
Remaining funds due$512,299.35
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,599.00
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)$1,399.75
Prepaid interest, first (23 days)$263.60
Fees + prepaids$13,737.35
Your down payment is the seller’s equity. You take over the $61,338 balance, so the rest of the $559,900 price is paid at closing. A second mortgage can cover part of it. $512,299.35 is due at closing. Uses and sources reconcile at $573,637.35 each. Not a Closing Disclosure.