Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$499,891Cash toward the purchase price.
Closing costs + prepaids$20,232Not just lender fees.
Before credits & paid funds$520,122The complete starting cash picture.
Estimated remaining funds due at closing
$520,122No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$499,890.53
Your down payment$499,890.53
Closing costs + prepaids$20,231.78
Total buyer cash needed$520,122.31
Remaining funds due$520,122.31
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,099.99
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,025.00
Initial HOA (3 months)$2,010.00
Prepaid interest, first (31 days)$871.79
Fees + prepaids$20,231.78
Your down payment is the seller’s equity. You take over the $310,108 balance, so the rest of the $809,999 price is paid at closing. A second mortgage can cover part of it. $520,122.31 is due at closing. Uses and sources reconcile at $830,230.78 each. Not a Closing Disclosure.