Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$1,330,794Cash toward the purchase price.
Closing costs + prepaids$24,606Not just lender fees.
Before credits & paid funds$1,355,400The complete starting cash picture.
Estimated remaining funds due at closing
$1,355,400No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,330,794.43
Your down payment$1,330,794.43
Closing costs + prepaids$24,605.55
Total buyer cash needed$1,355,399.99
Remaining funds due$1,355,399.99
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$13,500.00
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)$3,375.00
Initial HOA (3 months)$402.00
Prepaid interest, first (30 days)$103.55
Fees + prepaids$24,605.55
Your down payment is the seller’s equity. You take over the $19,206 balance, so the rest of the $1,350,000 price is paid at closing. A second mortgage can cover part of it. $1,355,399.99 is due at closing. Uses and sources reconcile at $1,374,605.55 each. Not a Closing Disclosure.