Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$421,116Cash toward the purchase price.
Closing costs + prepaids$12,155Not just lender fees.
Before credits & paid funds$433,271The complete starting cash picture.
Estimated remaining funds due at closing
$433,271No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$421,116.14
Your down payment$421,116.14
Closing costs + prepaids$12,154.62
Total buyer cash needed$433,270.76
Remaining funds due$433,270.76
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 (1 days)$11.12
Fees + prepaids$12,154.62
Your down payment is the seller’s equity. You take over the $87,884 balance, so the rest of the $509,000 price is paid at closing. A second mortgage can cover part of it. $433,270.76 is due at closing. Uses and sources reconcile at $521,154.62 each. Not a Closing Disclosure.