Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$477,660Cash toward the purchase price.
Closing costs + prepaids$11,741Not just lender fees.
Before credits & paid funds$489,401The complete starting cash picture.
Estimated remaining funds due at closing
$489,401No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$477,660.23
Your down payment$477,660.23
Closing costs + prepaids$11,740.95
Total buyer cash needed$489,401.18
Remaining funds due$489,401.18
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 (2 days)$0.95
Fees + prepaids$11,740.95
Your down payment is the seller’s equity. You take over the $2,240 balance, so the rest of the $479,900 price is paid at closing. A second mortgage can cover part of it. $489,401.18 is due at closing. Uses and sources reconcile at $491,640.95 each. Not a Closing Disclosure.