Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$477,795Cash toward the purchase price.
Closing costs + prepaids$19,062Not just lender fees.
Before credits & paid funds$496,858The complete starting cash picture.
Estimated remaining funds due at closing
$496,858No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$477,795.47
Your down payment$477,795.47
Closing costs + prepaids$19,062.08
Total buyer cash needed$496,857.55
Remaining funds due$496,857.55
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,749.00
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)$2,187.25
Prepaid interest, first (24 days)$900.83
Fees + prepaids$19,062.08
Your down payment is the seller’s equity. You take over the $397,105 balance, so the rest of the $874,900 price is paid at closing. A second mortgage can cover part of it. $496,857.55 is due at closing. Uses and sources reconcile at $893,962.08 each. Not a Closing Disclosure.