Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$403,722Cash toward the purchase price.
Closing costs + prepaids$13,080Not just lender fees.
Before credits & paid funds$416,802The complete starting cash picture.
Estimated remaining funds due at closing
$416,802No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$403,721.93
Your down payment$403,721.93
Closing costs + prepaids$13,080.24
Total buyer cash needed$416,802.17
Remaining funds due$416,802.17
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,999.99
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)$661.00
Initial HOA (3 months)$600.00
Prepaid interest, first (31 days)$344.25
Fees + prepaids$13,080.24
Your down payment is the seller’s equity. You take over the $96,277 balance, so the rest of the $499,999 price is paid at closing. A second mortgage can cover part of it. $416,802.17 is due at closing. Uses and sources reconcile at $513,079.24 each. Not a Closing Disclosure.