Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$484,999Cash toward the purchase price.
Closing costs + prepaids$13,084Not just lender fees.
Before credits & paid funds$498,083The complete starting cash picture.
Estimated remaining funds due at closing
$498,083No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$484,999.00
Your down payment$484,999.00
Closing costs + prepaids$13,084.49
Total buyer cash needed$498,083.49
Remaining funds due$498,083.49
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$4,849.99
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)$1,212.50
Initial HOA (3 months)$1,554.00
Fees + prepaids$13,084.49
Your down payment is the seller’s equity. You take over the $0 balance, so the rest of the $484,999 price is paid at closing. A second mortgage can cover part of it. $498,083.49 is due at closing. Uses and sources reconcile at $498,083.49 each. Not a Closing Disclosure.