Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$392,912Cash toward the purchase price.
Closing costs + prepaids$12,163Not just lender fees.
Before credits & paid funds$405,075The complete starting cash picture.
Estimated remaining funds due at closing
$405,075No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$392,911.60
Your down payment$392,911.60
Closing costs + prepaids$12,163.02
Total buyer cash needed$405,074.62
Remaining funds due$405,074.62
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,000.00
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)$600.00
Prepaid interest, first (6 days)$88.02
Fees + prepaids$12,163.02
Your down payment is the seller’s equity. You take over the $107,088 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $405,074.62 is due at closing. Uses and sources reconcile at $512,163.02 each. Not a Closing Disclosure.