Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$479,932Cash toward the purchase price.
Closing costs + prepaids$12,779Not just lender fees.
Before credits & paid funds$492,711The complete starting cash picture.
Estimated remaining funds due at closing
$492,711No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$479,931.54
Your down payment$479,931.54
Closing costs + prepaids$12,779.36
Total buyer cash needed$492,710.90
Remaining funds due$492,710.90
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,000.00
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)$1,032.50
Initial HOA (3 months)$162.00
Prepaid interest, first (29 days)$109.86
Fees + prepaids$12,779.36
Your down payment is the seller’s equity. You take over the $20,068 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $492,710.90 is due at closing. Uses and sources reconcile at $512,779.36 each. Not a Closing Disclosure.