Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$494,941Cash toward the purchase price.
Closing costs + prepaids$13,366Not just lender fees.
Before credits & paid funds$508,307The complete starting cash picture.
Estimated remaining funds due at closing
$508,307No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$494,940.80
Your down payment$494,940.80
Closing costs + prepaids$13,366.44
Total buyer cash needed$508,307.24
Remaining funds due$508,307.24
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,299.00
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)$1,426.25
Initial HOA (3 months)$99.99
Prepaid interest, first (24 days)$66.20
Fees + prepaids$13,366.44
Your down payment is the seller’s equity. You take over the $34,959 balance, so the rest of the $529,900 price is paid at closing. A second mortgage can cover part of it. $508,307.24 is due at closing. Uses and sources reconcile at $543,266.44 each. Not a Closing Disclosure.