Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$431,174Cash toward the purchase price.
Closing costs + prepaids$12,629Not just lender fees.
Before credits & paid funds$443,803The complete starting cash picture.
Estimated remaining funds due at closing
$443,803No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$431,173.89
Your down payment$431,173.89
Closing costs + prepaids$12,629.20
Total buyer cash needed$443,803.10
Remaining funds due$443,803.10
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)$598.50
Initial HOA (3 months)$20.01
Prepaid interest, first (27 days)$385.69
Fees + prepaids$12,629.20
Your down payment is the seller’s equity. You take over the $83,826 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $443,803.10 is due at closing. Uses and sources reconcile at $527,629.20 each. Not a Closing Disclosure.