Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$510,749Cash toward the purchase price.
Closing costs + prepaids$13,094Not just lender fees.
Before credits & paid funds$523,843The complete starting cash picture.
Estimated remaining funds due at closing
$523,843No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$510,749.38
Your down payment$510,749.38
Closing costs + prepaids$13,093.96
Total buyer cash needed$523,843.34
Remaining funds due$523,843.34
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,250.00
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)$1,221.00
Initial HOA (3 months)$84.99
Prepaid interest, first (24 days)$62.97
Fees + prepaids$13,093.96
Your down payment is the seller’s equity. You take over the $14,251 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $523,843.34 is due at closing. Uses and sources reconcile at $538,093.96 each. Not a Closing Disclosure.