Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$547,902Cash toward the purchase price.
Closing costs + prepaids$19,696Not just lender fees.
Before credits & paid funds$567,598The complete starting cash picture.
Estimated remaining funds due at closing
$567,598No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$547,902.16
Your down payment$547,902.16
Closing costs + prepaids$19,696.33
Total buyer cash needed$567,598.49
Remaining funds due$567,598.49
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,690.00
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)$2,172.50
Prepaid interest, first (24 days)$1,608.83
Fees + prepaids$19,696.33
Your down payment is the seller’s equity. You take over the $321,098 balance, so the rest of the $869,000 price is paid at closing. A second mortgage can cover part of it. $567,598.49 is due at closing. Uses and sources reconcile at $888,696.33 each. Not a Closing Disclosure.