Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$421,238Cash toward the purchase price.
Closing costs + prepaids$12,366Not just lender fees.
Before credits & paid funds$433,604The complete starting cash picture.
Estimated remaining funds due at closing
$433,604No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$421,237.88
Your down payment$421,237.88
Closing costs + prepaids$12,365.67
Total buyer cash needed$433,603.55
Remaining funds due$433,603.55
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)$104.50
Initial HOA (3 months)$474.00
Prepaid interest, first (20 days)$222.17
Fees + prepaids$12,365.67
Your down payment is the seller’s equity. You take over the $87,762 balance, so the rest of the $509,000 price is paid at closing. A second mortgage can cover part of it. $433,603.55 is due at closing. Uses and sources reconcile at $521,365.67 each. Not a Closing Disclosure.