Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$555,127Cash toward the purchase price.
Closing costs + prepaids$19,010Not just lender fees.
Before credits & paid funds$574,137The complete starting cash picture.
Estimated remaining funds due at closing
$574,137No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$555,127.17
Your down payment$555,127.17
Closing costs + prepaids$19,010.12
Total buyer cash needed$574,137.29
Remaining funds due$574,137.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,750.00
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)$2,187.50
Prepaid interest, first (24 days)$847.62
Fees + prepaids$19,010.12
Your down payment is the seller’s equity. You take over the $319,873 balance, so the rest of the $875,000 price is paid at closing. A second mortgage can cover part of it. $574,137.29 is due at closing. Uses and sources reconcile at $894,010.12 each. Not a Closing Disclosure.