Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$515,133Cash toward the purchase price.
Closing costs + prepaids$12,384Not just lender fees.
Before credits & paid funds$527,517The complete starting cash picture.
Estimated remaining funds due at closing
$527,517No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$515,132.88
Your down payment$515,132.88
Closing costs + prepaids$12,383.75
Total buyer cash needed$527,516.63
Remaining funds due$527,516.63
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)$612.50
Prepaid interest, first (26 days)$46.25
Fees + prepaids$12,383.75
Your down payment is the seller’s equity. You take over the $9,867 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $527,516.63 is due at closing. Uses and sources reconcile at $537,383.75 each. Not a Closing Disclosure.