Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$471,805Cash toward the purchase price.
Closing costs + prepaids$16,614Not just lender fees.
Before credits & paid funds$488,419The complete starting cash picture.
Estimated remaining funds due at closing
$488,419No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$471,804.87
Your down payment$471,804.87
Closing costs + prepaids$16,613.85
Total buyer cash needed$488,418.72
Remaining funds due$488,418.72
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,375.00
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)$1,252.00
Initial HOA (3 months)$183.00
Prepaid interest, first (28 days)$578.85
Fees + prepaids$16,613.85
Your down payment is the seller’s equity. You take over the $265,695 balance, so the rest of the $737,500 price is paid at closing. A second mortgage can cover part of it. $488,418.72 is due at closing. Uses and sources reconcile at $754,113.85 each. Not a Closing Disclosure.