Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$783,722Cash toward the purchase price.
Closing costs + prepaids$18,960Not just lender fees.
Before credits & paid funds$802,682The complete starting cash picture.
Estimated remaining funds due at closing
$802,682No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$783,722.42
Your down payment$783,722.42
Closing costs + prepaids$18,959.92
Total buyer cash needed$802,682.34
Remaining funds due$802,682.34
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,500.00
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)$1,658.50
Initial HOA (3 months)$510.00
Prepaid interest, first (2 days)$66.42
Fees + prepaids$18,959.92
Your down payment is the seller’s equity. You take over the $166,278 balance, so the rest of the $950,000 price is paid at closing. A second mortgage can cover part of it. $802,682.34 is due at closing. Uses and sources reconcile at $968,959.92 each. Not a Closing Disclosure.