Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$475,013Cash toward the purchase price.
Closing costs + prepaids$14,437Not just lender fees.
Before credits & paid funds$489,450The complete starting cash picture.
Estimated remaining funds due at closing
$489,450No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$475,012.91
Your down payment$475,012.91
Closing costs + prepaids$14,437.17
Total buyer cash needed$489,450.08
Remaining funds due$489,450.08
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,499.99
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)$1,076.25
Prepaid interest, first (23 days)$385.93
Fees + prepaids$14,437.17
Your down payment is the seller’s equity. You take over the $174,986 balance, so the rest of the $649,999 price is paid at closing. A second mortgage can cover part of it. $489,450.08 is due at closing. Uses and sources reconcile at $664,436.17 each. Not a Closing Disclosure.