Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$478,072Cash toward the purchase price.
Closing costs + prepaids$19,345Not just lender fees.
Before credits & paid funds$497,416The complete starting cash picture.
Estimated remaining funds due at closing
$497,416No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$478,071.73
Your down payment$478,071.73
Closing costs + prepaids$19,344.75
Total buyer cash needed$497,416.48
Remaining funds due$497,416.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,000.00
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)$2,250.00
Prepaid interest, first (18 days)$869.75
Fees + prepaids$19,344.75
Your down payment is the seller’s equity. You take over the $421,928 balance, so the rest of the $900,000 price is paid at closing. A second mortgage can cover part of it. $497,416.48 is due at closing. Uses and sources reconcile at $919,344.75 each. Not a Closing Disclosure.