Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$762,492Cash toward the purchase price.
Closing costs + prepaids$19,040Not just lender fees.
Before credits & paid funds$781,532The complete starting cash picture.
Estimated remaining funds due at closing
$781,532No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$762,491.87
Your down payment$762,491.87
Closing costs + prepaids$19,039.68
Total buyer cash needed$781,531.55
Remaining funds due$781,531.55
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,950.00
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)$993.25
Prepaid interest, first (30 days)$871.43
Fees + prepaids$19,039.68
Your down payment is the seller’s equity. You take over the $232,508 balance, so the rest of the $995,000 price is paid at closing. A second mortgage can cover part of it. $781,531.55 is due at closing. Uses and sources reconcile at $1,014,039.68 each. Not a Closing Disclosure.