Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$506,190Cash toward the purchase price.
Closing costs + prepaids$12,556Not just lender fees.
Before credits & paid funds$518,746The complete starting cash picture.
Estimated remaining funds due at closing
$518,746No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$506,189.68
Your down payment$506,189.68
Closing costs + prepaids$12,556.20
Total buyer cash needed$518,745.89
Remaining funds due$518,745.89
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,250.00
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)$501.75
Initial HOA (3 months)$234.00
Prepaid interest, first (27 days)$95.45
Fees + prepaids$12,556.20
Your down payment is the seller’s equity. You take over the $18,810 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $518,745.89 is due at closing. Uses and sources reconcile at $537,556.20 each. Not a Closing Disclosure.