Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$542,923Cash toward the purchase price.
Closing costs + prepaids$14,020Not just lender fees.
Before credits & paid funds$556,944The complete starting cash picture.
Estimated remaining funds due at closing
$556,944No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$542,923.35
Your down payment$542,923.35
Closing costs + prepaids$14,020.26
Total buyer cash needed$556,943.61
Remaining funds due$556,943.61
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,250.00
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)$888.25
Prepaid interest, first (25 days)$407.01
Fees + prepaids$14,020.26
Your down payment is the seller’s equity. You take over the $82,077 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $556,943.61 is due at closing. Uses and sources reconcile at $639,020.26 each. Not a Closing Disclosure.