Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$511,616Cash toward the purchase price.
Closing costs + prepaids$17,407Not just lender fees.
Before credits & paid funds$529,023The complete starting cash picture.
Estimated remaining funds due at closing
$529,023No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$511,615.84
Your down payment$511,615.84
Closing costs + prepaids$17,406.90
Total buyer cash needed$529,022.74
Remaining funds due$529,022.74
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,649.00
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)$1,912.25
Prepaid interest, first (26 days)$620.65
Fees + prepaids$17,406.90
Your down payment is the seller’s equity. You take over the $253,284 balance, so the rest of the $764,900 price is paid at closing. A second mortgage can cover part of it. $529,022.74 is due at closing. Uses and sources reconcile at $782,306.90 each. Not a Closing Disclosure.