Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$505,820Cash toward the purchase price.
Closing costs + prepaids$16,066Not just lender fees.
Before credits & paid funds$521,886The complete starting cash picture.
Estimated remaining funds due at closing
$521,886No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$505,820.14
Your down payment$505,820.14
Closing costs + prepaids$16,065.82
Total buyer cash needed$521,885.96
Remaining funds due$521,885.96
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,747.50
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)$929.75
Prepaid interest, first (6 days)$163.57
Fees + prepaids$16,065.82
Your down payment is the seller’s equity. You take over the $268,930 balance, so the rest of the $774,750 price is paid at closing. A second mortgage can cover part of it. $521,885.96 is due at closing. Uses and sources reconcile at $790,815.82 each. Not a Closing Disclosure.