Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$485,134Cash toward the purchase price.
Closing costs + prepaids$11,863Not just lender fees.
Before credits & paid funds$496,996The complete starting cash picture.
Estimated remaining funds due at closing
$496,996No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$485,133.61
Your down payment$485,133.61
Closing costs + prepaids$11,862.78
Total buyer cash needed$496,996.39
Remaining funds due$496,996.39
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,000.00
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)$384.75
Prepaid interest, first (1 days)$3.03
Fees + prepaids$11,862.78
Your down payment is the seller’s equity. You take over the $14,866 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $496,996.39 is due at closing. Uses and sources reconcile at $511,862.78 each. Not a Closing Disclosure.