Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$424,295Cash toward the purchase price.
Closing costs + prepaids$12,335Not just lender fees.
Before credits & paid funds$436,630The complete starting cash picture.
Estimated remaining funds due at closing
$436,630No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$424,295.14
Your down payment$424,295.14
Closing costs + prepaids$12,334.93
Total buyer cash needed$436,630.07
Remaining funds due$436,630.07
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,100.00
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)$612.00
Prepaid interest, first (12 days)$147.93
Fees + prepaids$12,334.93
Your down payment is the seller’s equity. You take over the $85,705 balance, so the rest of the $510,000 price is paid at closing. A second mortgage can cover part of it. $436,630.07 is due at closing. Uses and sources reconcile at $522,334.93 each. Not a Closing Disclosure.