Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$489,515Cash toward the purchase price.
Closing costs + prepaids$18,353Not just lender fees.
Before credits & paid funds$507,869The complete starting cash picture.
Estimated remaining funds due at closing
$507,869No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$489,515.33
Your down payment$489,515.33
Closing costs + prepaids$18,353.45
Total buyer cash needed$507,868.78
Remaining funds due$507,868.78
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,969.84
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)$379.50
Initial HOA (3 months)$135.00
Prepaid interest, first (25 days)$1,644.11
Fees + prepaids$18,353.45
Your down payment is the seller’s equity. You take over the $407,469 balance, so the rest of the $896,984 price is paid at closing. A second mortgage can cover part of it. $507,868.78 is due at closing. Uses and sources reconcile at $915,337.45 each. Not a Closing Disclosure.