Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$513,000Cash toward the purchase price.
Closing costs + prepaids$14,494Not just lender fees.
Before credits & paid funds$527,494The complete starting cash picture.
Estimated remaining funds due at closing
$527,494No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$512,999.64
Your down payment$512,999.64
Closing costs + prepaids$14,494.37
Total buyer cash needed$527,494.01
Remaining funds due$527,494.01
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,170.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,542.50
Prepaid interest, first (30 days)$306.87
Fees + prepaids$14,494.37
Your down payment is the seller’s equity. You take over the $104,000 balance, so the rest of the $617,000 price is paid at closing. A second mortgage can cover part of it. $527,494.01 is due at closing. Uses and sources reconcile at $631,494.37 each. Not a Closing Disclosure.