Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$501,385Cash toward the purchase price.
Closing costs + prepaids$12,048Not just lender fees.
Before credits & paid funds$513,433The complete starting cash picture.
Estimated remaining funds due at closing
$513,433No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$501,385.34
Your down payment$501,385.34
Closing costs + prepaids$12,047.85
Total buyer cash needed$513,433.18
Remaining funds due$513,433.18
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,149.00
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)$372.75
Prepaid interest, first (20 days)$51.10
Fees + prepaids$12,047.85
Your down payment is the seller’s equity. You take over the $13,515 balance, so the rest of the $514,900 price is paid at closing. A second mortgage can cover part of it. $513,433.18 is due at closing. Uses and sources reconcile at $526,947.85 each. Not a Closing Disclosure.