Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$463,283Cash toward the purchase price.
Closing costs + prepaids$12,920Not just lender fees.
Before credits & paid funds$476,203The complete starting cash picture.
Estimated remaining funds due at closing
$476,203No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$463,282.97
Your down payment$463,282.97
Closing costs + prepaids$12,919.63
Total buyer cash needed$476,202.60
Remaining funds due$476,202.60
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)$1,250.00
Prepaid interest, first (28 days)$194.63
Fees + prepaids$12,919.63
Your down payment is the seller’s equity. You take over the $36,717 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $476,202.60 is due at closing. Uses and sources reconcile at $512,919.63 each. Not a Closing Disclosure.