Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$389,210Cash toward the purchase price.
Closing costs + prepaids$13,637Not just lender fees.
Before credits & paid funds$402,847The complete starting cash picture.
Estimated remaining funds due at closing
$402,847No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$389,210.12
Your down payment$389,210.12
Closing costs + prepaids$13,637.37
Total buyer cash needed$402,847.49
Remaining funds due$402,847.49
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,150.00
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)$1,376.50
Initial HOA (3 months)$152.01
Prepaid interest, first (27 days)$483.86
Fees + prepaids$13,637.37
Your down payment is the seller’s equity. You take over the $125,790 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $402,847.49 is due at closing. Uses and sources reconcile at $528,637.37 each. Not a Closing Disclosure.