Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$497,967Cash toward the purchase price.
Closing costs + prepaids$12,737Not just lender fees.
Before credits & paid funds$510,704The complete starting cash picture.
Estimated remaining funds due at closing
$510,704No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$497,966.74
Your down payment$497,966.74
Closing costs + prepaids$12,736.97
Total buyer cash needed$510,703.71
Remaining funds due$510,703.71
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)$881.50
Initial HOA (3 months)$87.51
Prepaid interest, first (28 days)$92.96
Fees + prepaids$12,736.97
Your down payment is the seller’s equity. You take over the $22,033 balance, so the rest of the $520,000 price is paid at closing. A second mortgage can cover part of it. $510,703.71 is due at closing. Uses and sources reconcile at $532,736.97 each. Not a Closing Disclosure.