Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$473,915Cash toward the purchase price.
Closing costs + prepaids$19,017Not just lender fees.
Before credits & paid funds$492,932The complete starting cash picture.
Estimated remaining funds due at closing
$492,932No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$473,914.89
Your down payment$473,914.89
Closing costs + prepaids$19,017.42
Total buyer cash needed$492,932.30
Remaining funds due$492,932.30
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,599.99
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,150.00
Prepaid interest, first (27 days)$1,042.43
Fees + prepaids$19,017.42
Your down payment is the seller’s equity. You take over the $386,084 balance, so the rest of the $859,999 price is paid at closing. A second mortgage can cover part of it. $492,932.30 is due at closing. Uses and sources reconcile at $879,016.42 each. Not a Closing Disclosure.