Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$507,307Cash toward the purchase price.
Closing costs + prepaids$12,391Not just lender fees.
Before credits & paid funds$519,698The complete starting cash picture.
Estimated remaining funds due at closing
$519,698No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$507,306.87
Your down payment$507,306.87
Closing costs + prepaids$12,390.64
Total buyer cash needed$519,697.51
Remaining funds due$519,697.51
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,129.99
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)$615.50
Initial HOA (3 months)$165.00
Prepaid interest, first (12 days)$5.15
Fees + prepaids$12,390.64
Your down payment is the seller’s equity. You take over the $5,692 balance, so the rest of the $512,999 price is paid at closing. A second mortgage can cover part of it. $519,697.51 is due at closing. Uses and sources reconcile at $525,389.64 each. Not a Closing Disclosure.