Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$499,597Cash toward the purchase price.
Closing costs + prepaids$12,323Not just lender fees.
Before credits & paid funds$511,919The complete starting cash picture.
Estimated remaining funds due at closing
$511,919No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$499,596.51
Your down payment$499,596.51
Closing costs + prepaids$12,322.53
Total buyer cash needed$511,919.04
Remaining funds due$511,919.04
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)$482.00
Prepaid interest, first (25 days)$115.53
Fees + prepaids$12,322.53
Your down payment is the seller’s equity. You take over the $25,403 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $511,919.04 is due at closing. Uses and sources reconcile at $537,322.53 each. Not a Closing Disclosure.