Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$521,656Cash toward the purchase price.
Closing costs + prepaids$17,882Not just lender fees.
Before credits & paid funds$539,538The complete starting cash picture.
Estimated remaining funds due at closing
$539,538No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$521,656.07
Your down payment$521,656.07
Closing costs + prepaids$17,882.25
Total buyer cash needed$539,538.31
Remaining funds due$539,538.31
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,600.00
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)$1,789.50
Initial HOA (3 months)$752.01
Prepaid interest, first (22 days)$515.74
Fees + prepaids$17,882.25
Your down payment is the seller’s equity. You take over the $238,344 balance, so the rest of the $760,000 price is paid at closing. A second mortgage can cover part of it. $539,538.31 is due at closing. Uses and sources reconcile at $777,882.25 each. Not a Closing Disclosure.