Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$483,879Cash toward the purchase price.
Closing costs + prepaids$18,631Not just lender fees.
Before credits & paid funds$502,511The complete starting cash picture.
Estimated remaining funds due at closing
$502,511No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$483,879.15
Your down payment$483,879.15
Closing costs + prepaids$18,631.45
Total buyer cash needed$502,510.60
Remaining funds due$502,510.60
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,649.99
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)$1,912.50
Initial HOA (3 months)$1,197.00
Prepaid interest, first (28 days)$646.96
Fees + prepaids$18,631.45
Your down payment is the seller’s equity. You take over the $281,120 balance, so the rest of the $764,999 price is paid at closing. A second mortgage can cover part of it. $502,510.60 is due at closing. Uses and sources reconcile at $783,630.45 each. Not a Closing Disclosure.