Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$945,491Cash toward the purchase price.
Closing costs + prepaids$18,823Not just lender fees.
Before credits & paid funds$964,314The complete starting cash picture.
Estimated remaining funds due at closing
$964,314No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$945,491.15
Your down payment$945,491.15
Closing costs + prepaids$18,823.32
Total buyer cash needed$964,314.47
Remaining funds due$964,314.47
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,700.00
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)$1,739.50
Prepaid interest, first (31 days)$158.82
Fees + prepaids$18,823.32
Your down payment is the seller’s equity. You take over the $24,509 balance, so the rest of the $970,000 price is paid at closing. A second mortgage can cover part of it. $964,314.47 is due at closing. Uses and sources reconcile at $988,823.32 each. Not a Closing Disclosure.