Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$534,687Cash toward the purchase price.
Closing costs + prepaids$12,596Not just lender fees.
Before credits & paid funds$547,283The complete starting cash picture.
Estimated remaining funds due at closing
$547,283No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$534,687.04
Your down payment$534,687.04
Closing costs + prepaids$12,595.73
Total buyer cash needed$547,282.78
Remaining funds due$547,282.78
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,450.00
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)$654.00
Prepaid interest, first (9 days)$16.73
Fees + prepaids$12,595.73
Your down payment is the seller’s equity. You take over the $10,313 balance, so the rest of the $545,000 price is paid at closing. A second mortgage can cover part of it. $547,282.78 is due at closing. Uses and sources reconcile at $557,595.73 each. Not a Closing Disclosure.