Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$463,959Cash toward the purchase price.
Closing costs + prepaids$31,453Not just lender fees.
Before credits & paid funds$495,411The complete starting cash picture.
Estimated remaining funds due at closing
$495,411No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$463,958.50
Your down payment$463,958.50
Closing costs + prepaids$31,452.97
Total buyer cash needed$495,411.47
Remaining funds due$495,411.47
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$16,500.00
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)$4,125.00
Prepaid interest, first (18 days)$3,602.97
Fees + prepaids$31,452.97
Your down payment is the seller’s equity. You take over the $1,186,041 balance, so the rest of the $1,650,000 price is paid at closing. A second mortgage can cover part of it. $495,411.47 is due at closing. Uses and sources reconcile at $1,681,452.97 each. Not a Closing Disclosure.