Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$520,408Cash toward the purchase price.
Closing costs + prepaids$17,481Not just lender fees.
Before credits & paid funds$537,889The complete starting cash picture.
Estimated remaining funds due at closing
$537,889No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$520,408.04
Your down payment$520,408.04
Closing costs + prepaids$17,481.21
Total buyer cash needed$537,889.26
Remaining funds due$537,889.26
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,250.00
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)$539.50
Prepaid interest, first (26 days)$1,466.71
Fees + prepaids$17,481.21
Your down payment is the seller’s equity. You take over the $304,592 balance, so the rest of the $825,000 price is paid at closing. A second mortgage can cover part of it. $537,889.26 is due at closing. Uses and sources reconcile at $842,481.21 each. Not a Closing Disclosure.