Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$501,385Cash toward the purchase price.
Closing costs + prepaids$12,268Not just lender fees.
Before credits & paid funds$513,653The complete starting cash picture.
Estimated remaining funds due at closing
$513,653No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$501,385.34
Your down payment$501,385.34
Closing costs + prepaids$12,267.55
Total buyer cash needed$513,652.88
Remaining funds due$513,652.88
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,149.00
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)$618.00
Prepaid interest, first (10 days)$25.55
Fees + prepaids$12,267.55
Your down payment is the seller’s equity. You take over the $13,515 balance, so the rest of the $514,900 price is paid at closing. A second mortgage can cover part of it. $513,652.88 is due at closing. Uses and sources reconcile at $527,167.55 each. Not a Closing Disclosure.