Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$381,535Cash toward the purchase price.
Closing costs + prepaids$12,603Not just lender fees.
Before credits & paid funds$394,139The complete starting cash picture.
Estimated remaining funds due at closing
$394,139No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$381,535.27
Your down payment$381,535.27
Closing costs + prepaids$12,603.34
Total buyer cash needed$394,138.61
Remaining funds due$394,138.61
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,125.00
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)$675.75
Prepaid interest, first (22 days)$327.59
Fees + prepaids$12,603.34
Your down payment is the seller’s equity. You take over the $130,965 balance, so the rest of the $512,500 price is paid at closing. A second mortgage can cover part of it. $394,138.61 is due at closing. Uses and sources reconcile at $525,103.34 each. Not a Closing Disclosure.