Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$496,724Cash toward the purchase price.
Closing costs + prepaids$12,405Not just lender fees.
Before credits & paid funds$509,130The complete starting cash picture.
Estimated remaining funds due at closing
$509,130No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$496,724.43
Your down payment$496,724.43
Closing costs + prepaids$12,405.24
Total buyer cash needed$509,129.67
Remaining funds due$509,129.67
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,150.00
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)$677.00
Initial HOA (3 months)$7.26
Prepaid interest, first (27 days)$95.98
Fees + prepaids$12,405.24
Your down payment is the seller’s equity. You take over the $18,276 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $509,129.67 is due at closing. Uses and sources reconcile at $527,405.24 each. Not a Closing Disclosure.