Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$451,624Cash toward the purchase price.
Closing costs + prepaids$11,897Not just lender fees.
Before credits & paid funds$463,521The complete starting cash picture.
Estimated remaining funds due at closing
$463,521No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$451,624.13
Your down payment$451,624.13
Closing costs + prepaids$11,896.87
Total buyer cash needed$463,521.00
Remaining funds due$463,521.00
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)$327.50
Prepaid interest, first (20 days)$94.37
Fees + prepaids$11,896.87
Your down payment is the seller’s equity. You take over the $48,376 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $463,521.00 is due at closing. Uses and sources reconcile at $511,896.87 each. Not a Closing Disclosure.