Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$542,263Cash toward the purchase price.
Closing costs + prepaids$16,967Not just lender fees.
Before credits & paid funds$559,230The complete starting cash picture.
Estimated remaining funds due at closing
$559,230No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$542,262.88
Your down payment$542,262.88
Closing costs + prepaids$16,966.79
Total buyer cash needed$559,229.67
Remaining funds due$559,229.67
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,400.00
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)$1,008.00
Prepaid interest, first (12 days)$333.79
Fees + prepaids$16,966.79
Your down payment is the seller’s equity. You take over the $297,737 balance, so the rest of the $840,000 price is paid at closing. A second mortgage can cover part of it. $559,229.67 is due at closing. Uses and sources reconcile at $856,966.79 each. Not a Closing Disclosure.