Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$876,098Cash toward the purchase price.
Closing costs + prepaids$20,139Not just lender fees.
Before credits & paid funds$896,236The complete starting cash picture.
Estimated remaining funds due at closing
$896,236No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$876,097.56
Your down payment$876,097.56
Closing costs + prepaids$20,138.56
Total buyer cash needed$896,236.11
Remaining funds due$896,236.11
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,000.00
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)$2,250.00
Initial HOA (3 months)$1,518.00
Prepaid interest, first (31 days)$145.56
Fees + prepaids$20,138.56
Your down payment is the seller’s equity. You take over the $23,902 balance, so the rest of the $900,000 price is paid at closing. A second mortgage can cover part of it. $896,236.11 is due at closing. Uses and sources reconcile at $920,138.56 each. Not a Closing Disclosure.