Follow the dollars · Assumption only
A complete cash picture for Dec 25, 2026
Your down payment$398,885Cash toward the purchase price.
Closing costs + prepaids$12,539Not just lender fees.
Before credits & paid funds$411,423The complete starting cash picture.
Estimated remaining funds due at closing
$411,423No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$398,884.69
Your down payment$398,884.69
Closing costs + prepaids$12,538.74
Total buyer cash needed$411,423.43
Remaining funds due$411,423.43
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,129.99
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)$615.50
Initial HOA (3 months)$255.00
Prepaid interest, first (7 days)$63.25
Fees + prepaids$12,538.74
Your down payment is the seller’s equity. You take over the $114,114 balance, so the rest of the $512,999 price is paid at closing. A second mortgage can cover part of it. $411,423.43 is due at closing. Uses and sources reconcile at $525,537.74 each. Not a Closing Disclosure.