Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$520,620Cash toward the purchase price.
Closing costs + prepaids$17,753Not just lender fees.
Before credits & paid funds$538,373The complete starting cash picture.
Estimated remaining funds due at closing
$538,373No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$520,620.22
Your down payment$520,620.22
Closing costs + prepaids$17,753.02
Total buyer cash needed$538,373.24
Remaining funds due$538,373.24
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,200.00
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)$1,656.75
Prepaid interest, first (22 days)$671.27
Fees + prepaids$17,753.02
Your down payment is the seller’s equity. You take over the $299,380 balance, so the rest of the $820,000 price is paid at closing. A second mortgage can cover part of it. $538,373.24 is due at closing. Uses and sources reconcile at $837,753.02 each. Not a Closing Disclosure.