Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$469,594Cash toward the purchase price.
Closing costs + prepaids$12,104Not just lender fees.
Before credits & paid funds$481,698The complete starting cash picture.
Estimated remaining funds due at closing
$481,698No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$469,593.51
Your down payment$469,593.51
Closing costs + prepaids$12,104.37
Total buyer cash needed$481,697.88
Remaining funds due$481,697.88
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,090.00
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)$236.00
Initial HOA (3 months)$288.00
Prepaid interest, first (2 days)$15.37
Fees + prepaids$12,104.37
Your down payment is the seller’s equity. You take over the $39,406 balance, so the rest of the $509,000 price is paid at closing. A second mortgage can cover part of it. $481,697.88 is due at closing. Uses and sources reconcile at $521,104.37 each. Not a Closing Disclosure.