Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$478,102Cash toward the purchase price.
Closing costs + prepaids$11,748Not just lender fees.
Before credits & paid funds$489,850The complete starting cash picture.
Estimated remaining funds due at closing
$489,850No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$478,102.44
Your down payment$478,102.44
Closing costs + prepaids$11,748.00
Total buyer cash needed$489,850.45
Remaining funds due$489,850.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,799.00
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)$466.00
Prepaid interest, first (21 days)$8.00
Fees + prepaids$11,748.00
Your down payment is the seller’s equity. You take over the $1,798 balance, so the rest of the $479,900 price is paid at closing. A second mortgage can cover part of it. $489,850.45 is due at closing. Uses and sources reconcile at $491,648.00 each. Not a Closing Disclosure.