Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$492,244Cash toward the purchase price.
Closing costs + prepaids$12,068Not just lender fees.
Before credits & paid funds$504,311The complete starting cash picture.
Estimated remaining funds due at closing
$504,311No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$492,243.56
Your down payment$492,243.56
Closing costs + prepaids$12,067.82
Total buyer cash needed$504,311.38
Remaining funds due$504,311.38
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,999.00
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)$412.25
Initial HOA (3 months)$153.00
Prepaid interest, first (20 days)$28.57
Fees + prepaids$12,067.82
Your down payment is the seller’s equity. You take over the $7,656 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $504,311.38 is due at closing. Uses and sources reconcile at $511,967.82 each. Not a Closing Disclosure.