Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$553,223Cash toward the purchase price.
Closing costs + prepaids$18,256Not just lender fees.
Before credits & paid funds$571,478The complete starting cash picture.
Estimated remaining funds due at closing
$571,478No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$553,222.81
Your down payment$553,222.81
Closing costs + prepaids$18,255.55
Total buyer cash needed$571,478.36
Remaining funds due$571,478.36
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,350.00
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)$1,122.00
Prepaid interest, first (12 days)$558.55
Fees + prepaids$18,255.55
Your down payment is the seller’s equity. You take over the $381,777 balance, so the rest of the $935,000 price is paid at closing. A second mortgage can cover part of it. $571,478.36 is due at closing. Uses and sources reconcile at $953,255.55 each. Not a Closing Disclosure.