Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$515,621Cash toward the purchase price.
Closing costs + prepaids$13,153Not just lender fees.
Before credits & paid funds$528,774The complete starting cash picture.
Estimated remaining funds due at closing
$528,774No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$515,621.06
Your down payment$515,621.06
Closing costs + prepaids$13,153.34
Total buyer cash needed$528,774.40
Remaining funds due$528,774.40
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,288.00
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)$1,322.00
Prepaid interest, first (28 days)$68.34
Fees + prepaids$13,153.34
Your down payment is the seller’s equity. You take over the $13,179 balance, so the rest of the $528,800 price is paid at closing. A second mortgage can cover part of it. $528,774.40 is due at closing. Uses and sources reconcile at $541,953.34 each. Not a Closing Disclosure.