Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$539,247Cash toward the purchase price.
Closing costs + prepaids$17,458Not just lender fees.
Before credits & paid funds$556,705The complete starting cash picture.
Estimated remaining funds due at closing
$556,705No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$539,246.65
Your down payment$539,246.65
Closing costs + prepaids$17,458.27
Total buyer cash needed$556,704.92
Remaining funds due$556,704.92
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,500.00
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)$753.50
Prepaid interest, first (28 days)$979.77
Fees + prepaids$17,458.27
Your down payment is the seller’s equity. You take over the $310,753 balance, so the rest of the $850,000 price is paid at closing. A second mortgage can cover part of it. $556,704.92 is due at closing. Uses and sources reconcile at $867,458.27 each. Not a Closing Disclosure.