Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$482,383Cash toward the purchase price.
Closing costs + prepaids$14,722Not just lender fees.
Before credits & paid funds$497,105The complete starting cash picture.
Estimated remaining funds due at closing
$497,105No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$482,382.83
Your down payment$482,382.83
Closing costs + prepaids$14,722.06
Total buyer cash needed$497,104.89
Remaining funds due$497,104.89
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,290.00
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)$1,322.50
Initial HOA (3 months)$1,389.00
Prepaid interest, first (29 days)$245.56
Fees + prepaids$14,722.06
Your down payment is the seller’s equity. You take over the $46,617 balance, so the rest of the $529,000 price is paid at closing. A second mortgage can cover part of it. $497,104.89 is due at closing. Uses and sources reconcile at $543,722.06 each. Not a Closing Disclosure.