Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$478,045Cash toward the purchase price.
Closing costs + prepaids$14,404Not just lender fees.
Before credits & paid funds$492,449The complete starting cash picture.
Estimated remaining funds due at closing
$492,449No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$478,044.79
Your down payment$478,044.79
Closing costs + prepaids$14,404.44
Total buyer cash needed$492,449.22
Remaining funds due$492,449.22
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,500.00
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)$905.75
Prepaid interest, first (28 days)$523.69
Fees + prepaids$14,404.44
Your down payment is the seller’s equity. You take over the $171,955 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $492,449.22 is due at closing. Uses and sources reconcile at $664,404.44 each. Not a Closing Disclosure.