Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$484,798Cash toward the purchase price.
Closing costs + prepaids$14,989Not just lender fees.
Before credits & paid funds$499,787The complete starting cash picture.
Estimated remaining funds due at closing
$499,787No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$484,797.88
Your down payment$484,797.88
Closing costs + prepaids$14,989.35
Total buyer cash needed$499,787.23
Remaining funds due$499,787.23
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,300.00
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)$1,091.25
Initial HOA (3 months)$675.00
Prepaid interest, first (22 days)$448.10
Fees + prepaids$14,989.35
Your down payment is the seller’s equity. You take over the $145,202 balance, so the rest of the $630,000 price is paid at closing. A second mortgage can cover part of it. $499,787.23 is due at closing. Uses and sources reconcile at $644,989.35 each. Not a Closing Disclosure.