Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$563,608Cash toward the purchase price.
Closing costs + prepaids$18,429Not just lender fees.
Before credits & paid funds$582,037The complete starting cash picture.
Estimated remaining funds due at closing
$582,037No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$563,608.10
Your down payment$563,608.10
Closing costs + prepaids$18,428.61
Total buyer cash needed$582,036.71
Remaining funds due$582,036.71
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,490.00
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)$2,122.50
Prepaid interest, first (18 days)$591.11
Fees + prepaids$18,428.61
Your down payment is the seller’s equity. You take over the $285,392 balance, so the rest of the $849,000 price is paid at closing. A second mortgage can cover part of it. $582,036.71 is due at closing. Uses and sources reconcile at $867,428.61 each. Not a Closing Disclosure.