Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$493,112Cash toward the purchase price.
Closing costs + prepaids$12,256Not just lender fees.
Before credits & paid funds$505,369The complete starting cash picture.
Estimated remaining funds due at closing
$505,369No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$493,112.21
Your down payment$493,112.21
Closing costs + prepaids$12,256.43
Total buyer cash needed$505,368.64
Remaining funds due$505,368.64
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,125.00
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)$615.00
Prepaid interest, first (12 days)$41.43
Fees + prepaids$12,256.43
Your down payment is the seller’s equity. You take over the $19,388 balance, so the rest of the $512,500 price is paid at closing. A second mortgage can cover part of it. $505,368.64 is due at closing. Uses and sources reconcile at $524,756.43 each. Not a Closing Disclosure.