Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$507,282Cash toward the purchase price.
Closing costs + prepaids$17,106Not just lender fees.
Before credits & paid funds$524,388The complete starting cash picture.
Estimated remaining funds due at closing
$524,388No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$507,281.89
Your down payment$507,281.89
Closing costs + prepaids$17,106.34
Total buyer cash needed$524,388.24
Remaining funds due$524,388.24
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,859.99
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)$1,965.00
Prepaid interest, first (2 days)$56.35
Fees + prepaids$17,106.34
Your down payment is the seller’s equity. You take over the $278,717 balance, so the rest of the $785,999 price is paid at closing. A second mortgage can cover part of it. $524,388.24 is due at closing. Uses and sources reconcile at $803,105.34 each. Not a Closing Disclosure.