Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$837,396Cash toward the purchase price.
Closing costs + prepaids$21,529Not just lender fees.
Before credits & paid funds$858,926The complete starting cash picture.
Estimated remaining funds due at closing
$858,926No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$837,396.30
Your down payment$837,396.30
Closing costs + prepaids$21,529.33
Total buyer cash needed$858,925.63
Remaining funds due$858,925.63
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$11,500.00
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)$1,465.75
Initial HOA (3 months)$360.00
Prepaid interest, first (29 days)$978.58
Fees + prepaids$21,529.33
Your down payment is the seller’s equity. You take over the $312,604 balance, so the rest of the $1,150,000 price is paid at closing. A second mortgage can cover part of it. $858,925.63 is due at closing. Uses and sources reconcile at $1,171,529.33 each. Not a Closing Disclosure.