Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$418,969Cash toward the purchase price.
Closing costs + prepaids$13,209Not just lender fees.
Before credits & paid funds$432,177The complete starting cash picture.
Estimated remaining funds due at closing
$432,177No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$418,968.57
Your down payment$418,968.57
Closing costs + prepaids$13,208.89
Total buyer cash needed$432,177.46
Remaining funds due$432,177.46
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,200.00
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)$1,300.00
Prepaid interest, first (25 days)$233.89
Fees + prepaids$13,208.89
Your down payment is the seller’s equity. You take over the $101,031 balance, so the rest of the $520,000 price is paid at closing. A second mortgage can cover part of it. $432,177.46 is due at closing. Uses and sources reconcile at $533,208.89 each. Not a Closing Disclosure.