Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$510,743Cash toward the purchase price.
Closing costs + prepaids$13,034Not just lender fees.
Before credits & paid funds$523,777The complete starting cash picture.
Estimated remaining funds due at closing
$523,777No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$510,743.07
Your down payment$510,743.07
Closing costs + prepaids$13,033.61
Total buyer cash needed$523,776.68
Remaining funds due$523,776.68
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,250.00
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)$1,221.00
Initial HOA (3 months)$84.99
Prepaid interest, first (1 days)$2.62
Fees + prepaids$13,033.61
Your down payment is the seller’s equity. You take over the $14,257 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $523,776.68 is due at closing. Uses and sources reconcile at $538,033.61 each. Not a Closing Disclosure.