Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$382,884Cash toward the purchase price.
Closing costs + prepaids$12,501Not just lender fees.
Before credits & paid funds$395,384The complete starting cash picture.
Estimated remaining funds due at closing
$395,384No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$382,883.56
Your down payment$382,883.56
Closing costs + prepaids$12,500.61
Total buyer cash needed$395,384.17
Remaining funds due$395,384.17
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,090.00
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)$410.50
Initial HOA (3 months)$147.00
Prepaid interest, first (31 days)$378.11
Fees + prepaids$12,500.61
Your down payment is the seller’s equity. You take over the $126,116 balance, so the rest of the $509,000 price is paid at closing. A second mortgage can cover part of it. $395,384.17 is due at closing. Uses and sources reconcile at $521,500.61 each. Not a Closing Disclosure.