Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$502,550Cash toward the purchase price.
Closing costs + prepaids$12,332Not just lender fees.
Before credits & paid funds$514,882The complete starting cash picture.
Estimated remaining funds due at closing
$514,882No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$502,550.25
Your down payment$502,550.25
Closing costs + prepaids$12,332.01
Total buyer cash needed$514,882.26
Remaining funds due$514,882.26
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,199.90
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)$624.00
Prepaid interest, first (10 days)$33.11
Fees + prepaids$12,332.01
Your down payment is the seller’s equity. You take over the $17,440 balance, so the rest of the $519,990 price is paid at closing. A second mortgage can cover part of it. $514,882.26 is due at closing. Uses and sources reconcile at $532,322.01 each. Not a Closing Disclosure.