Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$499,075Cash toward the purchase price.
Closing costs + prepaids$12,439Not just lender fees.
Before credits & paid funds$511,514The complete starting cash picture.
Estimated remaining funds due at closing
$511,514No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$499,074.85
Your down payment$499,074.85
Closing costs + prepaids$12,439.14
Total buyer cash needed$511,513.99
Remaining funds due$511,513.99
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,300.00
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)$636.00
Prepaid interest, first (9 days)$28.14
Fees + prepaids$12,439.14
Your down payment is the seller’s equity. You take over the $30,925 balance, so the rest of the $530,000 price is paid at closing. A second mortgage can cover part of it. $511,513.99 is due at closing. Uses and sources reconcile at $542,439.14 each. Not a Closing Disclosure.