Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$482,381Cash toward the purchase price.
Closing costs + prepaids$15,798Not just lender fees.
Before credits & paid funds$498,178The complete starting cash picture.
Estimated remaining funds due at closing
$498,178No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$482,380.76
Your down payment$482,380.76
Closing costs + prepaids$15,797.59
Total buyer cash needed$498,178.36
Remaining funds due$498,178.36
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,999.99
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)$1,750.00
Prepaid interest, first (28 days)$572.60
Fees + prepaids$15,797.59
Your down payment is the seller’s equity. You take over the $217,618 balance, so the rest of the $699,999 price is paid at closing. A second mortgage can cover part of it. $498,178.36 is due at closing. Uses and sources reconcile at $715,796.59 each. Not a Closing Disclosure.