Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$483,480Cash toward the purchase price.
Closing costs + prepaids$14,933Not just lender fees.
Before credits & paid funds$498,413The complete starting cash picture.
Estimated remaining funds due at closing
$498,413No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$483,479.74
Your down payment$483,479.74
Closing costs + prepaids$14,933.11
Total buyer cash needed$498,412.85
Remaining funds due$498,412.85
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,399.00
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)$1,599.75
Prepaid interest, first (27 days)$459.36
Fees + prepaids$14,933.11
Your down payment is the seller’s equity. You take over the $156,420 balance, so the rest of the $639,900 price is paid at closing. A second mortgage can cover part of it. $498,412.85 is due at closing. Uses and sources reconcile at $654,833.11 each. Not a Closing Disclosure.