Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$478,050Cash toward the purchase price.
Closing costs + prepaids$19,764Not just lender fees.
Before credits & paid funds$497,815The complete starting cash picture.
Estimated remaining funds due at closing
$497,815No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$478,050.15
Your down payment$478,050.15
Closing costs + prepaids$19,764.50
Total buyer cash needed$497,814.65
Remaining funds due$497,814.65
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,490.00
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)$2,122.50
Initial HOA (3 months)$618.00
Prepaid interest, first (28 days)$1,309.00
Fees + prepaids$19,764.50
Your down payment is the seller’s equity. You take over the $370,950 balance, so the rest of the $849,000 price is paid at closing. A second mortgage can cover part of it. $497,814.65 is due at closing. Uses and sources reconcile at $868,764.50 each. Not a Closing Disclosure.