Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$484,368Cash toward the purchase price.
Closing costs + prepaids$13,955Not just lender fees.
Before credits & paid funds$498,324The complete starting cash picture.
Estimated remaining funds due at closing
$498,324No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$484,368.48
Your down payment$484,368.48
Closing costs + prepaids$13,955.13
Total buyer cash needed$498,323.61
Remaining funds due$498,323.61
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,150.00
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)$2,269.50
Prepaid interest, first (24 days)$60.63
Fees + prepaids$13,955.13
Your down payment is the seller’s equity. You take over the $30,632 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $498,323.61 is due at closing. Uses and sources reconcile at $528,955.13 each. Not a Closing Disclosure.