Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$553,876Cash toward the purchase price.
Closing costs + prepaids$18,686Not just lender fees.
Before credits & paid funds$572,562The complete starting cash picture.
Estimated remaining funds due at closing
$572,562No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$553,875.95
Your down payment$553,875.95
Closing costs + prepaids$18,685.62
Total buyer cash needed$572,561.57
Remaining funds due$572,561.57
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,499.99
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)$2,125.00
Prepaid interest, first (25 days)$835.63
Fees + prepaids$18,685.62
Your down payment is the seller’s equity. You take over the $296,123 balance, so the rest of the $849,999 price is paid at closing. A second mortgage can cover part of it. $572,561.57 is due at closing. Uses and sources reconcile at $868,684.62 each. Not a Closing Disclosure.