Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$402,442Cash toward the purchase price.
Closing costs + prepaids$13,663Not just lender fees.
Before credits & paid funds$416,105The complete starting cash picture.
Estimated remaining funds due at closing
$416,105No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$402,441.98
Your down payment$402,441.98
Closing costs + prepaids$13,662.63
Total buyer cash needed$416,104.61
Remaining funds due$416,104.61
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,195.00
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)$1,231.50
Initial HOA (3 months)$309.99
Prepaid interest, first (27 days)$451.14
Fees + prepaids$13,662.63
Your down payment is the seller’s equity. You take over the $117,058 balance, so the rest of the $519,500 price is paid at closing. A second mortgage can cover part of it. $416,104.61 is due at closing. Uses and sources reconcile at $533,162.63 each. Not a Closing Disclosure.