Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$522,981Cash toward the purchase price.
Closing costs + prepaids$12,696Not just lender fees.
Before credits & paid funds$535,677The complete starting cash picture.
Estimated remaining funds due at closing
$535,677No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$522,981.07
Your down payment$522,981.07
Closing costs + prepaids$12,695.96
Total buyer cash needed$535,677.03
Remaining funds due$535,677.03
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,499.73
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$660.00
Prepaid interest, first (12 days)$61.23
Fees + prepaids$12,695.96
Your down payment is the seller’s equity. You take over the $26,992 balance, so the rest of the $549,973 price is paid at closing. A second mortgage can cover part of it. $535,677.03 is due at closing. Uses and sources reconcile at $562,668.96 each. Not a Closing Disclosure.