Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$1,279,343Cash toward the purchase price.
Closing costs + prepaids$22,884Not just lender fees.
Before credits & paid funds$1,302,226The complete starting cash picture.
Estimated remaining funds due at closing
$1,302,226No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,279,342.63
Your down payment$1,279,342.63
Closing costs + prepaids$22,883.51
Total buyer cash needed$1,302,226.14
Remaining funds due$1,302,226.14
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$14,000.00
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)$1,301.50
Prepaid interest, first (30 days)$357.01
Fees + prepaids$22,883.51
Your down payment is the seller’s equity. You take over the $120,657 balance, so the rest of the $1,400,000 price is paid at closing. A second mortgage can cover part of it. $1,302,226.14 is due at closing. Uses and sources reconcile at $1,422,883.51 each. Not a Closing Disclosure.