Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$482,832Cash toward the purchase price.
Closing costs + prepaids$12,745Not just lender fees.
Before credits & paid funds$495,576The complete starting cash picture.
Estimated remaining funds due at closing
$495,576No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$482,831.66
Your down payment$482,831.66
Closing costs + prepaids$12,744.53
Total buyer cash needed$495,576.19
Remaining funds due$495,576.19
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,900.00
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)$1,228.50
Initial HOA (3 months)$111.00
Prepaid interest, first (22 days)$30.03
Fees + prepaids$12,744.53
Your down payment is the seller’s equity. You take over the $7,168 balance, so the rest of the $490,000 price is paid at closing. A second mortgage can cover part of it. $495,576.19 is due at closing. Uses and sources reconcile at $502,744.53 each. Not a Closing Disclosure.