Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$554,344Cash toward the purchase price.
Closing costs + prepaids$18,233Not just lender fees.
Before credits & paid funds$572,577The complete starting cash picture.
Estimated remaining funds due at closing
$572,577No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$554,344.00
Your down payment$554,344.00
Closing costs + prepaids$18,233.31
Total buyer cash needed$572,577.30
Remaining funds due$572,577.30
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,750.00
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)$2,187.50
Prepaid interest, first (2 days)$70.81
Fees + prepaids$18,233.31
Your down payment is the seller’s equity. You take over the $320,656 balance, so the rest of the $875,000 price is paid at closing. A second mortgage can cover part of it. $572,577.30 is due at closing. Uses and sources reconcile at $893,233.31 each. Not a Closing Disclosure.