Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$79,629Cash toward the purchase price.
Closing costs + prepaids$21,073Not just lender fees.
Before credits & paid funds$100,702The complete starting cash picture.
Estimated remaining funds due at closing
$100,702No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$79,629.10
Your down payment$79,629.10
Closing costs + prepaids$21,073.06
Total buyer cash needed$100,702.16
Remaining funds due$100,702.16
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$10,799.99
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)$2,700.00
Prepaid interest, first (2 days)$348.07
Fees + prepaids$21,073.06
Your down payment is the seller’s equity. You take over the $1,000,370 balance, so the rest of the $1,079,999 price is paid at closing. A second mortgage can cover part of it. $100,702.16 is due at closing. Uses and sources reconcile at $1,101,072.06 each. Not a Closing Disclosure.