Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$862,744Cash toward the purchase price.
Closing costs + prepaids$20,703Not just lender fees.
Before credits & paid funds$883,446The complete starting cash picture.
Estimated remaining funds due at closing
$883,446No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$862,743.74
Your down payment$862,743.74
Closing costs + prepaids$20,702.57
Total buyer cash needed$883,446.31
Remaining funds due$883,446.31
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$10,990.00
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)$1,283.75
Initial HOA (3 months)$330.00
Prepaid interest, first (30 days)$873.82
Fees + prepaids$20,702.57
Your down payment is the seller’s equity. You take over the $236,256 balance, so the rest of the $1,099,000 price is paid at closing. A second mortgage can cover part of it. $883,446.31 is due at closing. Uses and sources reconcile at $1,119,702.57 each. Not a Closing Disclosure.