Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$857,897Cash toward the purchase price.
Closing costs + prepaids$20,742Not just lender fees.
Before credits & paid funds$878,638The complete starting cash picture.
Estimated remaining funds due at closing
$878,638No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$857,896.53
Your down payment$857,896.53
Closing costs + prepaids$20,741.61
Total buyer cash needed$878,638.14
Remaining funds due$878,638.14
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,499.00
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)$2,974.75
Initial HOA (3 months)$878.01
Prepaid interest, first (30 days)$164.85
Fees + prepaids$20,741.61
Your down payment is the seller’s equity. You take over the $92,003 balance, so the rest of the $949,900 price is paid at closing. A second mortgage can cover part of it. $878,638.14 is due at closing. Uses and sources reconcile at $970,641.61 each. Not a Closing Disclosure.