Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$386,349Cash toward the purchase price.
Closing costs + prepaids$13,317Not just lender fees.
Before credits & paid funds$399,666The complete starting cash picture.
Estimated remaining funds due at closing
$399,666No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$386,349.12
Your down payment$386,349.12
Closing costs + prepaids$13,316.78
Total buyer cash needed$399,665.90
Remaining funds due$399,665.90
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,100.00
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)$1,167.50
Prepaid interest, first (26 days)$574.28
Fees + prepaids$13,316.78
Your down payment is the seller’s equity. You take over the $123,651 balance, so the rest of the $510,000 price is paid at closing. A second mortgage can cover part of it. $399,665.90 is due at closing. Uses and sources reconcile at $523,316.78 each. Not a Closing Disclosure.