Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$542,020Cash toward the purchase price.
Closing costs + prepaids$17,902Not just lender fees.
Before credits & paid funds$559,921The complete starting cash picture.
Estimated remaining funds due at closing
$559,921No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$542,019.66
Your down payment$542,019.66
Closing costs + prepaids$17,901.72
Total buyer cash needed$559,921.38
Remaining funds due$559,921.38
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,499.00
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)$2,124.75
Prepaid interest, first (2 days)$52.97
Fees + prepaids$17,901.72
Your down payment is the seller’s equity. You take over the $307,880 balance, so the rest of the $849,900 price is paid at closing. A second mortgage can cover part of it. $559,921.38 is due at closing. Uses and sources reconcile at $867,801.72 each. Not a Closing Disclosure.