Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$514,288Cash toward the purchase price.
Closing costs + prepaids$23,271Not just lender fees.
Before credits & paid funds$537,559The complete starting cash picture.
Estimated remaining funds due at closing
$537,559No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$514,287.93
Your down payment$514,287.93
Closing costs + prepaids$23,270.88
Total buyer cash needed$537,558.81
Remaining funds due$537,558.81
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$10,790.00
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)$2,697.50
Prepaid interest, first (24 days)$2,558.38
Fees + prepaids$23,270.88
Your down payment is the seller’s equity. You take over the $564,712 balance, so the rest of the $1,079,000 price is paid at closing. A second mortgage can cover part of it. $537,558.81 is due at closing. Uses and sources reconcile at $1,102,270.88 each. Not a Closing Disclosure.