Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$483,049Cash toward the purchase price.
Closing costs + prepaids$12,773Not just lender fees.
Before credits & paid funds$495,823The complete starting cash picture.
Estimated remaining funds due at closing
$495,823No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$483,049.25
Your down payment$483,049.25
Closing costs + prepaids$12,773.32
Total buyer cash needed$495,822.58
Remaining funds due$495,822.58
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,899.99
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)$1,225.00
Initial HOA (3 months)$135.00
Prepaid interest, first (28 days)$38.33
Fees + prepaids$12,773.32
Your down payment is the seller’s equity. You take over the $6,950 balance, so the rest of the $489,999 price is paid at closing. A second mortgage can cover part of it. $495,822.58 is due at closing. Uses and sources reconcile at $502,772.32 each. Not a Closing Disclosure.