Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$542,690Cash toward the purchase price.
Closing costs + prepaids$18,457Not just lender fees.
Before credits & paid funds$561,147The complete starting cash picture.
Estimated remaining funds due at closing
$561,147No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$542,690.09
Your down payment$542,690.09
Closing costs + prepaids$18,456.60
Total buyer cash needed$561,146.70
Remaining funds due$561,146.70
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,499.00
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)$2,124.75
Prepaid interest, first (23 days)$607.85
Fees + prepaids$18,456.60
Your down payment is the seller’s equity. You take over the $307,210 balance, so the rest of the $849,900 price is paid at closing. A second mortgage can cover part of it. $561,146.70 is due at closing. Uses and sources reconcile at $868,356.60 each. Not a Closing Disclosure.