Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$481,006Cash toward the purchase price.
Closing costs + prepaids$12,575Not just lender fees.
Before credits & paid funds$493,581The complete starting cash picture.
Estimated remaining funds due at closing
$493,581No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$481,006.41
Your down payment$481,006.41
Closing costs + prepaids$12,574.74
Total buyer cash needed$493,581.15
Remaining funds due$493,581.15
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,299.00
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)$662.50
Prepaid interest, first (16 days)$138.24
Fees + prepaids$12,574.74
Your down payment is the seller’s equity. You take over the $48,894 balance, so the rest of the $529,900 price is paid at closing. A second mortgage can cover part of it. $493,581.15 is due at closing. Uses and sources reconcile at $542,474.74 each. Not a Closing Disclosure.