Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$502,066Cash toward the purchase price.
Closing costs + prepaids$12,920Not just lender fees.
Before credits & paid funds$514,986The complete starting cash picture.
Estimated remaining funds due at closing
$514,986No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$502,065.63
Your down payment$502,065.63
Closing costs + prepaids$12,919.99
Total buyer cash needed$514,985.62
Remaining funds due$514,985.62
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,148.88
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)$1,006.25
Initial HOA (3 months)$261.00
Prepaid interest, first (31 days)$28.86
Fees + prepaids$12,919.99
Your down payment is the seller’s equity. You take over the $12,822 balance, so the rest of the $514,888 price is paid at closing. A second mortgage can cover part of it. $514,985.62 is due at closing. Uses and sources reconcile at $527,807.99 each. Not a Closing Disclosure.