Follow the dollars · Assumption only
A complete cash picture for Dec 25, 2026
Your down payment$389,210Cash toward the purchase price.
Closing costs + prepaids$12,520Not just lender fees.
Before credits & paid funds$401,731The complete starting cash picture.
Estimated remaining funds due at closing
$401,731No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$389,210.12
Your down payment$389,210.12
Closing costs + prepaids$12,520.46
Total buyer cash needed$401,730.58
Remaining funds due$401,730.58
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,150.00
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)$618.00
Initial HOA (3 months)$152.01
Prepaid interest, first (7 days)$125.45
Fees + prepaids$12,520.46
Your down payment is the seller’s equity. You take over the $125,790 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $401,730.58 is due at closing. Uses and sources reconcile at $527,520.46 each. Not a Closing Disclosure.