Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$482,604Cash toward the purchase price.
Closing costs + prepaids$12,699Not just lender fees.
Before credits & paid funds$495,303The complete starting cash picture.
Estimated remaining funds due at closing
$495,303No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$482,603.64
Your down payment$482,603.64
Closing costs + prepaids$12,699.25
Total buyer cash needed$495,302.89
Remaining funds due$495,302.89
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,990.00
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)$826.50
Initial HOA (3 months)$405.00
Prepaid interest, first (1 days)$2.75
Fees + prepaids$12,699.25
Your down payment is the seller’s equity. You take over the $16,396 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $495,302.89 is due at closing. Uses and sources reconcile at $511,699.25 each. Not a Closing Disclosure.