Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$524,882Cash toward the purchase price.
Closing costs + prepaids$19,112Not just lender fees.
Before credits & paid funds$543,994The complete starting cash picture.
Estimated remaining funds due at closing
$543,994No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$524,881.87
Your down payment$524,881.87
Closing costs + prepaids$19,112.35
Total buyer cash needed$543,994.22
Remaining funds due$543,994.22
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,790.00
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)$2,197.50
Prepaid interest, first (25 days)$899.85
Fees + prepaids$19,112.35
Your down payment is the seller’s equity. You take over the $354,118 balance, so the rest of the $879,000 price is paid at closing. A second mortgage can cover part of it. $543,994.22 is due at closing. Uses and sources reconcile at $898,112.35 each. Not a Closing Disclosure.