Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$543,512Cash toward the purchase price.
Closing costs + prepaids$18,104Not just lender fees.
Before credits & paid funds$561,617The complete starting cash picture.
Estimated remaining funds due at closing
$561,617No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$543,512.44
Your down payment$543,512.44
Closing costs + prepaids$18,104.24
Total buyer cash needed$561,616.69
Remaining funds due$561,616.69
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,250.00
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)$1,110.00
Prepaid interest, first (12 days)$519.24
Fees + prepaids$18,104.24
Your down payment is the seller’s equity. You take over the $381,488 balance, so the rest of the $925,000 price is paid at closing. A second mortgage can cover part of it. $561,616.69 is due at closing. Uses and sources reconcile at $943,104.24 each. Not a Closing Disclosure.