Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$917,009Cash toward the purchase price.
Closing costs + prepaids$21,473Not just lender fees.
Before credits & paid funds$938,483The complete starting cash picture.
Estimated remaining funds due at closing
$938,483No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$917,009.24
Your down payment$917,009.24
Closing costs + prepaids$21,473.43
Total buyer cash needed$938,482.66
Remaining funds due$938,482.66
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$11,750.00
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)$1,421.00
Initial HOA (3 months)$360.00
Prepaid interest, first (29 days)$717.43
Fees + prepaids$21,473.43
Your down payment is the seller’s equity. You take over the $257,991 balance, so the rest of the $1,175,000 price is paid at closing. A second mortgage can cover part of it. $938,482.66 is due at closing. Uses and sources reconcile at $1,196,473.43 each. Not a Closing Disclosure.