Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$772,241Cash toward the purchase price.
Closing costs + prepaids$19,551Not just lender fees.
Before credits & paid funds$791,792The complete starting cash picture.
Estimated remaining funds due at closing
$791,792No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$772,240.87
Your down payment$772,240.87
Closing costs + prepaids$19,551.28
Total buyer cash needed$791,792.15
Remaining funds due$791,792.15
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,600.00
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)$1,702.25
Initial HOA (3 months)$375.00
Prepaid interest, first (31 days)$649.03
Fees + prepaids$19,551.28
Your down payment is the seller’s equity. You take over the $187,759 balance, so the rest of the $960,000 price is paid at closing. A second mortgage can cover part of it. $791,792.15 is due at closing. Uses and sources reconcile at $979,551.28 each. Not a Closing Disclosure.