Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$523,670Cash toward the purchase price.
Closing costs + prepaids$20,352Not just lender fees.
Before credits & paid funds$544,022The complete starting cash picture.
Estimated remaining funds due at closing
$544,022No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$523,670.25
Your down payment$523,670.25
Closing costs + prepaids$20,351.94
Total buyer cash needed$544,022.19
Remaining funds due$544,022.19
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,950.00
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)$772.00
Prepaid interest, first (24 days)$2,404.94
Fees + prepaids$20,351.94
Your down payment is the seller’s equity. You take over the $471,330 balance, so the rest of the $995,000 price is paid at closing. A second mortgage can cover part of it. $544,022.19 is due at closing. Uses and sources reconcile at $1,015,351.94 each. Not a Closing Disclosure.