Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$502,550Cash toward the purchase price.
Closing costs + prepaids$12,329Not just lender fees.
Before credits & paid funds$514,879The complete starting cash picture.
Estimated remaining funds due at closing
$514,879No 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$12,328.70
Total buyer cash needed$514,878.95
Remaining funds due$514,878.95
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 (9 days)$29.80
Fees + prepaids$12,328.70
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. $514,878.95 is due at closing. Uses and sources reconcile at $532,318.70 each. Not a Closing Disclosure.