Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$553,658Cash toward the purchase price.
Closing costs + prepaids$18,395Not just lender fees.
Before credits & paid funds$572,053The complete starting cash picture.
Estimated remaining funds due at closing
$572,053No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$553,658.36
Your down payment$553,658.36
Closing costs + prepaids$18,394.96
Total buyer cash needed$572,053.31
Remaining funds due$572,053.31
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,300.00
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)$2,075.00
Prepaid interest, first (28 days)$794.96
Fees + prepaids$18,394.96
Your down payment is the seller’s equity. You take over the $276,342 balance, so the rest of the $830,000 price is paid at closing. A second mortgage can cover part of it. $572,053.31 is due at closing. Uses and sources reconcile at $848,394.96 each. Not a Closing Disclosure.