Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$907,437Cash toward the purchase price.
Closing costs + prepaids$17,827Not just lender fees.
Before credits & paid funds$925,264The complete starting cash picture.
Estimated remaining funds due at closing
$925,264No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$907,437.06
Your down payment$907,437.06
Closing costs + prepaids$17,826.70
Total buyer cash needed$925,263.76
Remaining funds due$925,263.76
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,699.00
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)$892.50
Prepaid interest, first (2 days)$10.20
Fees + prepaids$17,826.70
Your down payment is the seller’s equity. You take over the $62,463 balance, so the rest of the $969,900 price is paid at closing. A second mortgage can cover part of it. $925,263.76 is due at closing. Uses and sources reconcile at $987,726.70 each. Not a Closing Disclosure.