Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$414,047Cash toward the purchase price.
Closing costs + prepaids$12,559Not just lender fees.
Before credits & paid funds$426,606The complete starting cash picture.
Estimated remaining funds due at closing
$426,606No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$414,047.05
Your down payment$414,047.05
Closing costs + prepaids$12,559.44
Total buyer cash needed$426,606.49
Remaining funds due$426,606.49
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,190.00
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)$443.25
Initial HOA (3 months)$68.76
Prepaid interest, first (28 days)$382.43
Fees + prepaids$12,559.44
Your down payment is the seller’s equity. You take over the $104,953 balance, so the rest of the $519,000 price is paid at closing. A second mortgage can cover part of it. $426,606.49 is due at closing. Uses and sources reconcile at $531,559.44 each. Not a Closing Disclosure.