Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$520,447Cash toward the purchase price.
Closing costs + prepaids$18,709Not just lender fees.
Before credits & paid funds$539,156The complete starting cash picture.
Estimated remaining funds due at closing
$539,156No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$520,446.72
Your down payment$520,446.72
Closing costs + prepaids$18,708.93
Total buyer cash needed$539,155.65
Remaining funds due$539,155.65
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,500.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,699.00
Initial HOA (3 months)$347.01
Prepaid interest, first (28 days)$937.92
Fees + prepaids$18,708.93
Your down payment is the seller’s equity. You take over the $329,553 balance, so the rest of the $850,000 price is paid at closing. A second mortgage can cover part of it. $539,155.65 is due at closing. Uses and sources reconcile at $868,708.93 each. Not a Closing Disclosure.