Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$485,091Cash toward the purchase price.
Closing costs + prepaids$15,892Not just lender fees.
Before credits & paid funds$500,983The complete starting cash picture.
Estimated remaining funds due at closing
$500,983No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$485,091.36
Your down payment$485,091.36
Closing costs + prepaids$15,891.54
Total buyer cash needed$500,982.89
Remaining funds due$500,982.89
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,490.00
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)$1,622.50
Initial HOA (3 months)$942.00
Prepaid interest, first (29 days)$362.04
Fees + prepaids$15,891.54
Your down payment is the seller’s equity. You take over the $163,909 balance, so the rest of the $649,000 price is paid at closing. A second mortgage can cover part of it. $500,982.89 is due at closing. Uses and sources reconcile at $664,891.54 each. Not a Closing Disclosure.