Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$496,158Cash toward the purchase price.
Closing costs + prepaids$19,474Not just lender fees.
Before credits & paid funds$515,631The complete starting cash picture.
Estimated remaining funds due at closing
$515,631No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$496,157.58
Your down payment$496,157.58
Closing costs + prepaids$19,473.59
Total buyer cash needed$515,631.17
Remaining funds due$515,631.17
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,858.88
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)$2,214.75
Prepaid interest, first (28 days)$1,174.96
Fees + prepaids$19,473.59
Your down payment is the seller’s equity. You take over the $389,730 balance, so the rest of the $885,888 price is paid at closing. A second mortgage can cover part of it. $515,631.17 is due at closing. Uses and sources reconcile at $905,361.59 each. Not a Closing Disclosure.