Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$524,020Cash toward the purchase price.
Closing costs + prepaids$18,469Not just lender fees.
Before credits & paid funds$542,488The complete starting cash picture.
Estimated remaining funds due at closing
$542,488No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$524,019.79
Your down payment$524,019.79
Closing costs + prepaids$18,468.57
Total buyer cash needed$542,488.35
Remaining funds due$542,488.35
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,249.00
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)$2,062.25
Prepaid interest, first (29 days)$932.32
Fees + prepaids$18,468.57
Your down payment is the seller’s equity. You take over the $300,880 balance, so the rest of the $824,900 price is paid at closing. A second mortgage can cover part of it. $542,488.35 is due at closing. Uses and sources reconcile at $843,368.57 each. Not a Closing Disclosure.