Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$475,718Cash toward the purchase price.
Closing costs + prepaids$15,064Not just lender fees.
Before credits & paid funds$490,782The complete starting cash picture.
Estimated remaining funds due at closing
$490,782No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$475,718.45
Your down payment$475,718.45
Closing costs + prepaids$15,063.76
Total buyer cash needed$490,782.21
Remaining funds due$490,782.21
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,590.00
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)$1,209.25
Initial HOA (3 months)$225.00
Prepaid interest, first (22 days)$564.51
Fees + prepaids$15,063.76
Your down payment is the seller’s equity. You take over the $183,282 balance, so the rest of the $659,000 price is paid at closing. A second mortgage can cover part of it. $490,782.21 is due at closing. Uses and sources reconcile at $674,063.76 each. Not a Closing Disclosure.