Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$506,205Cash toward the purchase price.
Closing costs + prepaids$21,421Not just lender fees.
Before credits & paid funds$527,626The complete starting cash picture.
Estimated remaining funds due at closing
$527,626No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$506,204.84
Your down payment$506,204.84
Closing costs + prepaids$21,421.19
Total buyer cash needed$527,626.03
Remaining funds due$527,626.03
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,997.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,249.25
Initial HOA (3 months)$1,128.00
Prepaid interest, first (26 days)$1,821.94
Fees + prepaids$21,421.19
Your down payment is the seller’s equity. You take over the $393,495 balance, so the rest of the $899,700 price is paid at closing. A second mortgage can cover part of it. $527,626.03 is due at closing. Uses and sources reconcile at $921,121.19 each. Not a Closing Disclosure.