Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$489,298Cash toward the purchase price.
Closing costs + prepaids$13,956Not just lender fees.
Before credits & paid funds$503,255The complete starting cash picture.
Estimated remaining funds due at closing
$503,255No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$489,298.43
Your down payment$489,298.43
Closing costs + prepaids$13,956.19
Total buyer cash needed$503,254.62
Remaining funds due$503,254.62
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,499.00
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)$662.75
Prepaid interest, first (20 days)$319.44
Fees + prepaids$13,956.19
Your down payment is the seller’s equity. You take over the $160,602 balance, so the rest of the $649,900 price is paid at closing. A second mortgage can cover part of it. $503,254.62 is due at closing. Uses and sources reconcile at $663,856.19 each. Not a Closing Disclosure.