Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$447,013Cash toward the purchase price.
Closing costs + prepaids$12,657Not just lender fees.
Before credits & paid funds$459,671The complete starting cash picture.
Estimated remaining funds due at closing
$459,671No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$447,013.32
Your down payment$447,013.32
Closing costs + prepaids$12,657.36
Total buyer cash needed$459,670.69
Remaining funds due$459,670.69
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,000.00
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)$835.75
Initial HOA (3 months)$140.01
Prepaid interest, first (24 days)$206.60
Fees + prepaids$12,657.36
Your down payment is the seller’s equity. You take over the $52,987 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $459,670.69 is due at closing. Uses and sources reconcile at $512,657.36 each. Not a Closing Disclosure.