Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$800,078Cash toward the purchase price.
Closing costs + prepaids$18,979Not just lender fees.
Before credits & paid funds$819,056The complete starting cash picture.
Estimated remaining funds due at closing
$819,056No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$800,077.65
Your down payment$800,077.65
Closing costs + prepaids$18,978.73
Total buyer cash needed$819,056.38
Remaining funds due$819,056.38
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,750.00
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)$1,712.50
Initial HOA (3 months)$225.00
Prepaid interest, first (2 days)$66.23
Fees + prepaids$18,978.73
Your down payment is the seller’s equity. You take over the $174,922 balance, so the rest of the $975,000 price is paid at closing. A second mortgage can cover part of it. $819,056.38 is due at closing. Uses and sources reconcile at $993,978.73 each. Not a Closing Disclosure.